At the Hot Tub and Swim Spa Company the customer is our highest priority, that is why we offer a range of ways to pay & finance your purchase, making that luxury lifestyle idea a possibility for each customer.
We do not believe in a one shoe fits all sizes approach, which is why we are able to facilitate several methodologies of purchase. The Hot Tub and Swim Spa Company believe in clarity of communication. Please see below some representative examples of payment options available. Should you have a query please contact us on 0208 300 4003 so that our staff can answer any questions you may have before your purchase is made.
Our payment options are listed below. Please note, figures detailed are representative examples based on a purchase of £10,000.00 including VAT as total purchase value with a deposit paid prior to installation and are listed to provide a standardised depiction of payment options.
The example below is illustrative. Our staff will provide payment options and a list for your proposed purchase.
Self Funded
This method of payment does not involve setting up a finance policy. A deposit is paid by you to the Hot Tub and Swim Spa Company (please be aware deposit values vary depending on purchase) on the date of order with the outstanding balance due as a singular payment to the Hot Tub and Swim Spa Company 7 days prior to the installation.
| Payment Option |
Purchase Value £ |
Deposit £ |
Outstanding Balance |
Repayments |
Value of repayment |
Total payable |
| Self Funded |
£10,000.00 |
£5,000.00 |
£5,000.00 |
1 |
£5,000.00 |
£10,000.00 |
Interest Free Credit *
20 Months Interest Free Finance/ Credit (IFC)* - This method of payment does involve setting up a finance policy. A deposit is paid by you to the Hot Tub and Swim Spa Company at the time of ordering (deposit values vary depending on purchase) with the outstanding balance due by 20 equal monthly repayments. Payments will commence approximately 28 days after installation.
| Payment Option |
Purchase Value £ |
Deposit £ |
Outstanding Balance |
Repayments |
Value of repayment |
Total payable |
| 20 Months IFC |
£10,000.00 |
£5,000.00 |
£5,000.00 |
20 |
£250.00 |
£10,000.00 |
Interest Bearing Credit *
Low Rate finance with a 3 month payment holiday. 60 Months Interest Bearing Finance/ Low Cost Credit (IBC)* - This method of payment does involve setting up a finance policy. A small deposit is paid by you to the Hot Tub and Swim Spa Company at the time of ordering. You benefit from a 3 month payment holiday after the installation where no payments are due. The outstanding balance is then due via 60 equal monthly repayments. Our low rate of finance is 10.9% APR Representative. If you wish, you can make additional payments without any penalties. This offers greater control over the term of your loan and decreases the amount of interest you pay.
| Payment Option |
Purchase Value £ |
Deposit £ |
Outstanding Balance |
Repayments |
Value of repayment |
Representative APR% |
| 60 Months Low Cost Finance with 3 Month Payment Holiday |
£4,995.00 |
£750.00 |
£4,245.00 |
60 |
£92.60 |
10.9% APR |
Buy Now Pay Later Credit *
9 Months or 12 Months Buy Now Pay Later Finance/ Credit* - If settled in full within the deferral period then there is no interest to pay, however a £29 administration fee will apply. This means that you would pay the amount of credit + the administration fee. If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full. Any overpayments made in the deferral period will reduce the capital carried into the payment term. The deferral period commences upon completion of the purchase contract.
Once you enter into the payment term, interest is applied monthly. You must make the minimum repayment each month. You can make additional payments without penalty, which could allow you to control the term of the loan and potentially reduce the amount of interest you would pay.
| Payment Option |
Purchase Value £ |
Deposit £ |
Outstanding Balance |
Repayments within 9 Months |
Value of repayment After 9 Months |
Total payable |
| BNPL 9 Months |
£10,000.00 |
£1,000.00 |
£9,000.00 |
£9,029.00 |
£184.92 |
£23,190.40 |
*denotes finance policy or credit agreement is required to be agreed by customer prior to installation with our partner provider and subject to exclusions, terms & conditions and minimum valuation requirements.
The Hot Tub and Swim Spa Company is not a lender but will introduce you to our partner provider, Novuna Personal Finance. We do not offer advice to you for credit/ finance policies. Agreements with our partner provider require you to agree to the terms and conditions. Offers for credit/ finance are subject to credit checks conducted independently of the Hot Tub and Swim Spa Company.
Credit is subject to status and affordability. Terms & Conditions Apply. The Hot Tub & Swim Spa Company FRN: 735673 London Hot Tubs and Wellness Limited of Ruxley Manor Garden Centre, Maidstone Road, Sidcup, Kent, DA14 5BQ trading as The Hot Tub & Swim Spa Company is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.