Make backyard wellness a reality today.
Flexible monthly payment options, low-interest terms, and promotional financing designed for every Alaskans budget.
Buy Now, Pay Later
Take advantage of special promotional interest rates or deferred payment periods to secure your hot tub or sauna without upfront financial strain.
Flexible Term Options
Choose payment terms ranging from 12 to 180 months. Adjust your amortization schedule to hit the exact monthly payment that fits your household cash flow.
Zero Prepayment Penalties
Retain full control. Pay off your remaining balance whenever you want without extra fees, penalties, or structural interest recalculation charges.
Calculate your monthly investments.
Customize Your Plan
Estimated Monthly Payment
228
/moIncludes principal and interest based on selected settings.
Amount Financed
$11,000
Down Payment
$1,500
Total Interest
$2,697
Total Cost Allocation
Down Payment
$1,500
Principal Financed
$11,000
Interest Costs
$2,697
Alaskan Finance Tip
Many clients bundle accessories (such as insulated spa covers, lifters, water care starter packages, and freight/delivery) directly into their financing plan. This keeps out-of-pocket costs minimal and aggregates payments into one simple, predictable monthly sum.
* Estimates are for illustrative purposes only. All loan decisions, terms, promotional interest rates, and APR options are subject to credit checking and approval through Wells Fargo, N.A. or HFS Financial.
The Waterworks is a licensed dealer of Hot Spring Spas, Caldera Spas, Finnleo Saunas, Tylö Saunas, and Endless Pools. We are not a direct lender.
Tailored credit pathways for your purchase.
GreenSky® Financing
Primary Financing PartnerOur primary financing partner — a Goldman Sachs company. Fast approvals, no home equity required, and two flexible plan structures designed for spa and sauna purchases.
Program Details & Perks:
- •Plan 4129: No Interest if Paid in Full in 12 Months (minimum monthly payments required)
- •Plan 2832: Fixed Rate 12.99% APR for 120 Months — as low as $14.93/month per $1,000 financed
- •Simple application process — fast approvals
- •Loans provided by Synovus Bank, Member FDIC
HFS Financial Loans
Best for Swim Spas & Major InstallsDesigned for larger home-improvement projects. Provides unsecured personal loans without home equity requirements — ideal for swim spa builds and large sauna structures.
Program Details & Perks:
- •Loan amounts from $5,000 up to $500,000
- •Terms up to 15 years (180 months) for low monthly payments
- •No home equity or appraisal required
- •100% personal funding directly to you (no dealer draws)
Your path to backyard relaxation.
Choose Your Wellness Model
Explore our collection of hot tubs, saunas, and swim spas. Find the model that fits your space, seating needs, and wellness goals.
Estimate Your Payments
Use our interactive calculator below to adjust your down payment, term length, and estimated interest rate to match your budget.
Apply Online in Minutes
Complete a secure application. Most applicants receive an official credit decision and pre-qualification approval in just minutes.
Professional Delivery
Once financed, we coordinate with you for site preparation, electrical wiring setup, and professional delivery by our expert crew.
Got questions? We have answers.
What financing programs are available for hot tubs and saunas in Alaska?
Our primary financing partner is GreenSky® — a Goldman Sachs company. We offer two GreenSky plans: Plan 4129 (No Interest if Paid in Full in 12 Months) and Plan 2832 (Fixed Rate 12.99% APR for 120 months — as low as $14.93/month per $1,000 financed). For swim spas and larger home improvement projects, we also offer HFS Financial unsecured loans up to $500,000 with terms up to 15 years.
Can I bundle delivery, cover lifters, and initial water care into my financing?
Absolutely. Most customers roll the complete purchase price — including freight to Alaska, cover upgrades, lifters, steps, water care systems (like FreshWater Salt), and installation fees — directly into the financing package. This minimizes out-of-pocket costs on delivery day.
What is GreenSky's 12-month no-interest plan (Plan 4129)?
Plan 4129 offers no interest if the full balance is paid within 12 months — minimum monthly payments are required during the promotional period. This plan is ideal if you can pay off your spa in a year. If you carry a balance past 12 months, deferred interest may apply.
What is GreenSky's fixed-rate plan (Plan 2832)?
Plan 2832 is a fixed-rate installment loan at 12.99% APR for up to 120 months (10 years). At that rate, payments are approximately $14.93 per month per $1,000 financed — making a $10,000 spa around $149/month. Loans are provided by Synovus Bank, Member FDIC.
How do I apply for GreenSky financing?
You can apply directly online using our Merchant ID (81062470) at greensky.com, or call GreenSky at 866-936-0602. Applications take just minutes and most decisions are instant. You can also ask in-store at our Anchorage or Eagle River showrooms and we'll walk you through the process.
Is there a penalty for prepaying my loan early?
No. GreenSky and HFS Financial do not charge prepayment penalties. You are free to pay off your remaining balance at any time without extra fees or interest recalculation.