Make It Affordable
Financing That Fits Your Budget
Every night you wait is another night of bad sleep, sore muscles, and stress you didn't have to carry. We offer flexible financing so you can start feeling better today — with monthly payments that fit your life. A hot tub isn't an expense. It's an investment in your health, your home, and your family's quality of life.
Simple Process
How It Works
Choose Your Product
Browse our showroom or website to find the hot tub, swim spa, or sauna that's right for you.
Quick Application
Fill out a short application — it takes just a few minutes. Most customers get an instant response.
Enjoy Your Investment
We handle delivery and setup. You start soaking — and paying it off at a pace that works for you.
Three Ways to Finance
Pick the Lender That Fits You
Every customer is different. We partner with three lenders so the right option is always available. Start with the one that fits your credit, and we'll help you find the next step if the answer is no.
Primary
Good to excellent credit
Wells Fargo
Promotional 0% offers
Our primary financing partner. Best terms in the industry for customers who can pay off in 6, 12, or 18 months. Also offers a true fixed-payment plan for longer terms.
- No interest if paid in full in 6, 12, or 18 months
- 60-month fixed payments at 4.99% APR
- Instant decision on most applications
Wells Fargo Bank, N.A. is the issuing lender. Subject to credit approval.
Secondary
Wider credit range
HFS Financial
One application, multiple lenders
A home-improvement financing marketplace. One application gets shopped across HFS's lender network, so you see the best available offer without filling out multiple forms. Great if Wells Fargo says no or you want to compare rates.
- One application, multiple lender offers
- Fixed APR personal loans, no deferred interest
- Home-improvement specialist with a wide credit range
HFS Financial, LLC is a lending marketplace. Loans originated and serviced by third-party lenders. Subject to credit approval.
Alternative
Prime credit, large purchases
LightStream
Real personal loan
Unsecured personal loan from LightStream, a division of Truist Bank. Money goes straight to you, and you pay East Texas Hot Tub directly. Same-day funding on most loans.
- Fixed-rate financing for qualified borrowers
- Funds sent directly to you after approval
- Same-day funding, no fees, no prepayment penalty
LightStream is a division of Truist Bank. Not affiliated with East Texas Hot Tub Company. Subject to credit approval.
Important: How “No Interest If Paid in Full” Really Works
Wells Fargo's 6, 12, and 18-month promotions are “deferred interest” offers, not true 0% loans. If you pay the balance in full by the promotional end date, you pay zero interest. If any balance remains when the promo ends, Wells Fargo charges interest retroactively from the purchase date at the regular APR (around 25.99%).
If you'd rather have a predictable monthly payment with no surprise interest, ask us about Wells Fargo's 60-month fixed payment plan at 4.99% APR, or apply with LightStream for a fixed-rate personal loan. Both are real loans with real payments and no retroactive interest.
Why Finance With Us
Built Around You
Quick Approval Process
Most applications receive a decision within minutes — not days.
Competitive Rates
We work with top lenders to offer rates that fit your budget.
Flexible Terms
Choose from 36 to 84 months to find a payment that works for you.
No Prepayment Penalties
Pay off your balance early anytime with zero extra fees.
Low Down Payment Options
Get started with less upfront so you can enjoy your spa sooner.
Apply from Home or In-Store
Start the process online or let us walk you through it at either showroom.
Common Questions
Financing FAQ
Not Ready to Apply?
Let's Talk First
Still shopping, or want to walk through the numbers before applying? Tell us what you're thinking and we'll follow up with options tailored to your budget. This is not a credit application — no score impact, no commitment.
Prefer to talk? Call Tyler: (903) 561-7565 or Longview: (903) 238-8021