Financing
A sauna is a big purchase, and you shouldn't have to pay for it all at once. We offer three ways to spread out the cost or pay with pre-tax dollars. Each one is handled securely at checkout by our partners, and our team is happy to help you choose.
Pay over time with Shop Pay
Split your purchase into smaller payments right at checkout.
- 4 interest-free payments every 2 weeks
- Monthly payments, with 0% APR options on select terms
- Checking eligibility won't affect your credit score
How it works:
- Add your sauna to the cart and check out.
- Choose Shop Pay, then select Pay in installments.
- Pick the plan that works for you and manage payments in the Shop app.
Buy now, pay over time with Affirm
Choose Affirm at checkout for longer monthly plans.
- 0% APR options for up to 6 months
- Longer terms up to 36 months
- See your rate before you commit, with no hidden fees and no late fees
How it works:
- Choose Affirm as your payment method at checkout.
- Enter a few pieces of information for a real-time decision.
- Pick your payment schedule and confirm.
Pay with HSA/FSA funds through Truemed*
Truemed is a telehealth and payments company. Saunas may qualify for HSA/FSA spending when a Letter of Medical Necessity (LMN) is issued.
- Use your HSA/FSA card, or get reimbursed by your plan
- Qualified customers save an average of 30% by using pre-tax dollars*
How it works:
- Choose Truemed at checkout.
- Complete a short health survey. A licensed clinician reviews it to see whether you qualify for a Letter of Medical Necessity.
- If you qualify, pay with your HSA/FSA card or submit for reimbursement.
Truemed's cost is included in the purchase price.
Which option is right for you?
| Shop Pay Installmentsin partnership with Affirm | Affirmmonthly payments | TruemedHSA/FSA | |
|---|---|---|---|
| Best for | Shorter plans and 0% APR options | Longer monthly plans | Paying with HSA/FSA funds |
| Plan lengths | 4 payments every 2 weeks, or monthly | Up to 36 months | Pay in full with pre-tax dollars |
| Interest | 0% to 36% APR | 0% to 36% APR | Not a loan |
| How to choose it | Select Shop Pay at checkout | Select Affirm at checkout | Select Truemed at checkout |
Financing FAQs
Will checking my options affect my credit score?
Checking eligibility with Shop Pay Installments or Affirm won't affect your credit score. If you accept a loan, it may be reported to credit bureaus.
Does it cost more to use financing?
The price of your sauna is the same whichever way you pay. With 0% APR plans you pay no interest. Other plans may include interest based on your credit, and you'll see the exact cost before you confirm.
Is my sauna guaranteed to be HSA/FSA eligible?
No. Eligibility depends on a clinician's review of your health survey, and on your HSA/FSA plan. Truemed will tell you whether you qualify for a Letter of Medical Necessity.
When do my payments start?
Your payment schedule is set when you check out. Saunas ship from our suppliers, so if your order has a longer lead time, your first payment may be due before it arrives.
What happens if I return my sauna?
Once your return is processed, the refund goes back to your loan or payment method. Any interest that has already accrued may not be refunded.
Questions about paying for your sauna?
Talk to a real person on our team. We'll walk you through your options and help you find the right sauna for your budget.
Call or text 855-963-5665 or start a chat with us.
Shop Pay Installments: Payment options are offered by Affirm and are subject to an eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license.
Affirm: Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0%–36% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. If one or more items in your order has an extended ship date, your loan payment(s), including interest, may be due before all items ship. You may not receive a rebate of any interest that has already accrued on an amount that is later refunded.
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.