Hot Tub & Swim Spa Financing
Monthly payments through Financeit, on approved credit
Arctic Spas Ontario offers financing on hot tubs and swim spas through Financeit, a Toronto-based lender, on approved credit. You can apply online before you visit or with a specialist at any of our three showrooms, and the payment plan covers the spa, its options, delivery and HST in one amount.
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Price your spa
Financing starts from a real quote, so first settle what you want: the model, the jet package, water care such as salt water, a cover lifter, steps. Build it online or go through it with a specialist in Kitchener, London or Windsor. The quote, with delivery and HST, is the amount financed.
Replacing an old tub? Mention it when you price the spa — see trade-in and removal.
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Apply with Financeit
The application is online and takes a few minutes: apply through our Financeit link, or do it with a specialist in the showroom. Financeit lends to customers across Canada and finances purchases of up to $100,000, which covers any spa in our range with every option.
Financeit makes the credit decision, not the showroom.
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Choose your payment plan
Once approved, Financeit shows the payment, rate and term for the amount before you sign anything. Our standard plans have no down payment, and promotional structures such as introductory rates or deferred payments are available at times — ask your showroom what is on now. Prices and payments are discussed in the showroom, not published here.
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Sign and schedule delivery
You e-sign the agreement with Financeit, and from there the order runs like any other: the factory builds your spa, we send the site check, and our team delivers and sets it in place. See our process for the whole sequence.
What financing covers
One agreement can cover the spa, its options, the cover and lifter, steps, delivery and HST, so there is a single payment. Site work you arrange yourself, such as the electrician or a concrete pad, is separate; the site preparation guide explains what is needed.
Financing is optional
Financing is one way to pay, not a requirement. Nothing about the spa, the options or the delivery changes with how you pay.
Financing is provided by Financeit, on approved credit. Rates, terms and promotions are set by Financeit and change over time; your showroom has the current ones.
Common questions
Do you offer hot tub financing?
Yes. Arctic Spas Ontario finances hot tubs and swim spas through Financeit, a Canadian lender, on approved credit. Apply online or at the Kitchener, London or Windsor showroom.
Is a down payment required?
No. Our standard financing plans have no down payment. A deposit or a trade-in reduces the amount financed if you prefer.
Can I finance a swim spa?
Yes. Financeit finances purchases up to $100,000, which covers every swim spa in our range with its options, delivery and HST.
What are the rates and payments?
Rates, terms and any promotional structure are set by Financeit and change over time, so we do not publish them. Financeit shows you the exact payment and rate for your quote before you sign, and your showroom can tell you what promotions are on now.
Can I apply before choosing a spa?
You can apply through our Financeit link at any time, but the amount financed comes from your quote, so it is quickest to price the spa first, in the showroom or with the online builder.