Hot tub finance
Spread the cost of a new hot tub with fixed monthly payments from Novuna Personal Finance. Pay over 120 or 60 months with a deposit from 10%, and apply online at checkout in a few minutes. Swim spas, saunas and pergolas too.
- 13.9% APR representative, fixed
- 60 or 120 months
- 10% deposit, or more if you like
Representative example, Cove Hot Tub
£47.17 a month
- Cash price
- £3,499.00
- Deposit (10%)
- £349.90
- Amount of credit
- £3,149.10
- 120 monthly payments of
- £47.17
- Interest rate (fixed)
- 13.9% a year
- Representative APR
- 13.9%
- Total charge for credit
- £2,511.30
- Total amount payable
- £6,010.30
Find your monthly price
Pick the one you like, and see every way you can pay for it. The figures are worked out the same way as Novuna's own calculator.
What are you buying?
Choose your hot tub
Nothing matches that. Try another name.
Novuna lends from £3,000 after your deposit, so from about £3,334 with a 10% deposit.
A bigger deposit means smaller monthly payments.
How long?
With Novuna over 120 months
£0.00 a month
- Cash price
- Deposit
- Amount of credit
- Monthly payments
- Interest rate (fixed)
- 13.9% a year
- Representative APR
- 13.9%
- Total charge for credit
- Total amount payable
Every way to pay for this
Hot tubs by monthly price
Every new hot tub you can buy on finance, with its monthly payment over 120 months with a 10% deposit at 13.9% APR representative. Tap one to see it.
Under £60 a month 3 hot tubs
£60 to £80 a month 3 hot tubs
£80 to £100 a month 11 hot tubs
- Platinum Spas Vacation Social£5,999£80.87/mo
- Platinum Spas Vacation Lounge£5,999£80.87/mo
- Haven£5,999£80.87/mo
- Serenity£5,999£80.87/mo
- Aquasolus The Brook£5,999£80.87/mo
- Aquasolus The Cypress£6,299£84.92/mo
- Aquasolus The Zephyr£6,299£84.92/mo
- Aquasolus The Cove£6,299£84.92/mo
- Jacuzzi® Lodge™M£6,499£87.61/mo
- Sanctuary
£6,999£6,499£87.61/mo - Jacuzzi® S-550™ (2026 Model)£6,499£87.61/mo
£100 a month and over 27 hot tubs
- Jacuzzi® Lodge™L£7,499£101.10/mo
- Aquasolus The Sierra£7,499£101.10/mo
- Jacuzzi® S-600™ (2026 Model)£7,499£101.10/mo
- Aquasolus The Eden£7,699£103.79/mo
- Aquasolus The Harmony£7,699£103.79/mo
- Aquasolus The Calma£7,699£103.79/mo
- Jacuzzi® J-225™ (2026 Model)£7,749£104.47/mo
- Edge Knightsbridge£7,999£107.84/mo
- Edge Kensington£7,999£107.84/mo
- Jacuzzi® J-201™ (2026 Model)£8,249£111.21/mo
- Aquasolus The Aspen£8,399£113.23/mo
- Jacuzzi® J-245™ (2026 Model)£8,749£117.95/mo
- Jacuzzi® J-235™ (2026 Model)£8,749£117.95/mo
- Jacuzzi® J-204™ (2026 Model)£9,499£128.06/mo
- Jacuzzi® J-315™ (2026 Model)£10,999£148.28/mo
- Aquasolus The Serenity£12,999£175.24/mo
- Aquasolus The Cascade£12,999£175.24/mo
- Aquasolus The Solstice£12,999£175.24/mo
- Jacuzzi® J-404L™ (2026 Model)£13,999£188.72/mo
- Jacuzzi® J-335™ (2026 Model)£13,999£188.72/mo
- Jacuzzi® J-345™ (2026 Model)£13,999£188.72/mo
- Aquasolus The Zenith£14,999£202.20/mo
- Jacuzzi® J-355™ (2026 Model)£15,499£208.94/mo
- Jacuzzi® J-375™ (2026 Model)£16,999£229.16/mo
- Jacuzzi® J-408L™ (2026 Model)£17,999£242.64/mo
- Jacuzzi® J-508L™ (2026 Model)£21,999£296.56/mo
- Jacuzzi® J-509™ (2026 Model)£23,499£316.78/mo
Finance on swim spas, saunas and pergolas
The same Novuna plans work across our garden wellness range, and you can put more than one thing on the same plan.
- Swim spas Swim, train and relax in one. Spread the cost of a new swim spa over 60 or 120 months. from £133.45 a month
- Saunas Outdoor and infrared saunas, with the heater included where you choose one. from £48.52 a month
- Pergolas Pergolas to shelter your hot tub and turn your patio into an outdoor room. Pay in 3 with PayPal, or Shop Pay
- Ice baths, heat pumps, chemicals and parts Pay in 3 with PayPal on orders of £20 to £3,000, or spread the cost with Shop Pay at checkout. A heat pump in a hot tub package goes on the same Novuna plan as the hot tub. PayPal and Shop Pay
The "from" figures are the lowest monthly payment over 120 months with a 10% deposit at 13.9% APR representative, for the lowest priced model in each range.
Ways to pay, side by side
Every option you'll see at checkout, and what each one is best for.
| Option | Best for | How much | Interest | How to use it |
|---|---|---|---|---|
| Novuna Personal FinanceFixed monthly payments | New hot tubs, swim spas, saunas and pergolas | Borrow £3,000 to £50,000 after a deposit of 10% or more, over 60 or 120 months | 13.9% APR representative, fixed | Choose Novuna PaybyFinance at checkout and apply online |
| PayPal Pay in 3Three equal payments | Accessories, chemicals, parts, ice baths and smaller orders | Orders of £20 to £3,000 | 0% interest | Choose PayPal at checkout, then Pay in 3 |
| Shop Pay InstalmentsPay over time with Shop Pay | Most orders, if you already use Shop Pay | Shown at checkout | Set by Shop Pay for you at checkout | Choose Shop Pay at checkout, then pay in instalments |
| 0% on Jacuzzi®By phone only | Jacuzzi® hot tubs | Ask our team what's on offer | 0% on selected offers | Call us on 01482 212322 |
| Pay in fullCard, Apple Pay, Google Pay, PayPal | Anything | Any amount | None | Pay at checkout as normal |
How buying on finance works
Five steps from your basket to your garden.
- 1
Add it to your basket
Pick your hot tub and any extras. Tap "Ways to pay" under the price on any product page to check your monthly payment first.
- 2
Choose Novuna at checkout
Enter your delivery details and choose Novuna PaybyFinance as your payment method.
- 3
Check your plan
Choose your deposit and whether to pay over 60 or 120 months. You'll see exactly what you'll pay.
- 4
Apply with Novuna
Fill in a short form on Novuna's secure site and pay your deposit by debit card. Many decisions come back in minutes.
- 5
E-sign and we deliver
Sign your agreement online and we'll call you to book delivery. Your first monthly payment is usually about a month after delivery.
Before you apply
To apply with Novuna you'll need to be:
- 18 or over, and living in the UK for the last three years
- Working at least 16 hours a week, retired with a pension, or a homemaker whose partner is in permanent paid work
- Able to pay by Direct Debit from a UK bank or building society account
- Reachable on a mobile number and email address
- Having your hot tub delivered to your home address
Good to know
- Credit is subject to status and affordability, and Novuna makes the decision.
- A full application leaves a search on your credit file.
- You can change your mind within 14 days of signing your agreement.
- You can pay off your plan early, in part or in full, at any time.
- Payments are collected by Direct Debit and shown as Novuna Personal Finance.
Hot tub finance questions
Can't see your question? Call us on 01482 212322 and we'll help.
Can I get a hot tub on finance?
Yes. New hot tubs from about £3,334 can go on finance with Novuna Personal Finance, with a deposit from 10% and fixed monthly payments over 60 or 120 months at 13.9% APR representative. Lower priced hot tubs can be paid in 3 with PayPal. Choose your payment method at checkout.
How much is a hot tub a month?
Our lowest priced new hot tub on finance, the Cove Hot Tub, is £47.17 a month over 120 months with a 10% deposit. Every hot tub page shows its monthly price under the price, and the calculator on this page shows every way to pay for each one.
Is there 0% or interest free finance on hot tubs?
Online, our Novuna finance is 13.9% APR representative. We do have 0% finance offers on selected Jacuzzi® hot tubs by phone, so call us on 01482 212322 to hear what's on offer. PayPal Pay in 3 is also 0% interest on orders of £20 to £3,000.
Do I need to pay a deposit?
Yes, Novuna asks for a deposit of at least 10%, paid by debit card when you apply. You can choose to pay more, which lowers your monthly payments.
Does applying affect my credit score?
A full application with Novuna leaves a search on your credit file that other lenders can see. Check you meet the criteria above before you apply.
Can I pay my finance off early?
Yes. You can pay off part or all of what you owe at any time. Contact Novuna Personal Finance for a settlement figure.
When do my monthly payments start?
Your first payment is usually taken by Direct Debit about a month after your hot tub is delivered.
What if my application isn't approved?
Novuna doesn't share the reasons, but they may offer you a different plan, such as a smaller loan or a bigger deposit. Any deposit you've paid is refunded if the order doesn't go ahead, and you can still pay another way. Call us and we'll talk you through your options.
Can I put a heat pump, cover or steps on the same plan?
A heat pump that comes in a hot tub package goes on the same plan as the hot tub. Everything in your basket needs to be eligible for Novuna to approve it, so if you're adding extras, call us and we'll check it for you.
Can I get a swim spa, sauna or pergola on finance?
Yes. New swim spas, saunas and pergolas use the same Novuna plans as hot tubs, with the same deposit, terms and rate.
Can I buy a refurbished, ex-display or commercial hot tub on finance?
No. Novuna finance is for new hot tubs bought for your home. Refurbished and ex-display models and our commercial hot tubs can be paid for in full, or with PayPal Pay in 3 if the price is within PayPal's limits.
Is it safe to apply?
Yes. You apply on Novuna's own secure website, and we never see your bank or card details. Outdoor Living Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (FRN 713060).
Rather talk it through?
Our team can help you choose a hot tub, work out a payment that suits you, and tell you about any Jacuzzi® offers. Call 01482 212322, or leave your number and we'll call you back.
Outdoor Living Limited (FRN 713060) is authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender. We offer credit from a limited number of lenders, Novuna Personal Finance and PayPal, and may receive commission for introducing you. Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (FRN 704348). PayPal Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and the possible impact on your credit score. It may not be suitable for everyone. Credit is subject to status and affordability. UK residents aged 18 and over.