FLEXIBLE PAYMENT OPTIONS

0% APR Financing Available

Split your purchase into easy monthly payments with no interest. Check your rate in seconds — no impact to your credit score.

All brands eligible for financing

How Shop Pay Installments Works

Select Shop Pay

Choose Shop Pay at checkout and select installments

Quick Approval

Get approved in seconds with no hard credit check

Pay Over Time

Split into 4 payments or monthly installments

Calculate Your Monthly Payment

See how affordable your sauna can be

Your Product Price:

4 Payments 0% APR

$2,000

every 2 weeks

Why Finance With Shop Pay?

🎯

No Hidden Fees

What you see is what you pay. No surprises, no prepayment penalties.

⚡

Instant Decision

Know your approval status in seconds, right at checkout.

🔒

Soft Credit Check

Checking your rate won't affect your credit score.

💳

Use Any Card

Pay with any debit or credit card for your installments.

Frequently Asked Questions

Which payment methods are accepted for installments?

For 0% interest plans (Pay in 4), both debit and credit cards are accepted. For monthly plans with interest, only debit cards are accepted.

Can international customers use Shop Pay Installments?

No — Shop Pay Installments is only available to customers with a U.S. billing address and U.S. mobile phone number.

What is the maximum order amount?

$30,000 USD including shipping, taxes, and discounts.

Are there late fees?

No late fees ever, even if you miss a payment.

What happens if I miss a payment?

No late fees. However, late or partial payments may affect your credit score or future eligibility with Affirm.

What is the return policy for Shop Pay purchases?

All Shop Pay Installment purchases are final sale and cannot be returned or refunded. Please ensure you've selected the right product before completing your purchase. Contact us at (888) 833-2305 with any questions before buying.

Rates from 0–36% APR. Payment options through Shop Pay Installments, provided by Affirm, are subject to an eligibility check and may not be available in all states. Options depend on purchase amount and a soft credit check may be conducted. No late fees. Estimated payment amount excludes taxes and shipping. Actual terms are based on your creditworthiness. See affirm.com/disclosures for details. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

Ready to Get Started?

Browse our collection and select Shop Pay at checkout to see your personalized payment options.

Shop Saunas

Questions about financing? (888) 833-2305

Questions? Call or Text an Expert