Most Minn Spas customers finance their hot tub purchase. A new hot tub fits comfortably into a monthly budget — and GreenSky financing makes that straightforward. We offer two options depending on what works best for you.
Most Popular
Fixed Rate — Up to 120 Months
Fixed-rate financing at 9.99%–22.99% APR for up to 120 months, on approved credit. An $18,495 hot tub runs approximately $264 per month at the low end. Payment examples on each product page show estimates for that specific model. The most predictable option — same payment every month, no promotional deadlines to track.
***Fixed-rate financing of 9.99%–22.99% APR for up to 120 months OAC. Sales tax is included in the monthly payment estimate.
Also Available
15 Months No Interest
Pay nothing in interest if the full purchase amount is paid before the end of the 15-month promotional period. A good option if you plan to pay off the purchase quickly.
**Interest accrues during promotional period and is shown on the bill. All interest is waived if the purchase amount is paid in full before the end of the promotional period. Sales tax is included in monthly payment estimates.
Estimated Monthly Payments
Based on current pricing. Payment amounts are estimates and may vary based on taxes, approvals, and plan terms.
$8,000–$12,000
Softub & entry-level spas
~$100–$160/mo
120 months, low rate
$12,000–$18,000
Mid-range acrylic spas
~$160–$264/mo
120 months, low rate
$18,000–$28,000
Premium & swim spas
~$264–$400/mo
120 months, low rate
Payment examples are estimates only. Actual payments depend on approved APR, loan term, taxes, and final purchase amount.
Financing Options
Flexible financing is available to help make your hot tub purchase more comfortable.
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Financing FAQs
Yes. Minn Spas offers GreenSky financing on hot tub and swim spa purchases. We offer two options — a 15-month no-interest promotional plan and a fixed-rate plan with payments up to 120 months. Apply directly through the GreenSky buttons above.
Click any of the GreenSky plan buttons above. The application is online, takes a few minutes, and you’ll get a decision quickly. You can also apply in our Apple Valley showroom during your visit.
The 15-month no-interest plan is a deferred interest promotion. Interest accrues during the promotional period but is waived in full if the entire purchase amount is paid before the 15 months are up. If you don’t pay it off in time, the accrued interest is added to your balance. It’s the most popular option for buyers who plan to pay off the purchase within a year.
Fixed-rate financing runs from 9.99% to 22.99% APR for up to 120 months, on approved credit. Your rate depends on your credit profile. A $18,495 hot tub at the low end of the rate range runs approximately $264 per month over 120 months. Payment examples on each product page show estimates for that specific model.
GreenSky makes credit decisions based on their own approval criteria. We don’t have a minimum score requirement on our end — the application takes a few minutes and you’ll get a fast decision. Apply through the buttons above or ask us in the showroom.
It depends on the price of the spa and your approved rate. A Softub or entry-level acrylic spa in the $8,000–$12,000 range runs approximately $100–$160 per month on a 120-month fixed-rate plan at the low end. A mid-range acrylic spa at $18,495 runs approximately $264 per month. We show estimated monthly payments on every product page so you can get a realistic picture before applying.
Yes. Softub models at Minn Spas are eligible for GreenSky financing just like our acrylic hot tubs. A Softub starts in the $4,000–$8,000 range depending on model. Ask us about current Softub pricing and monthly payment estimates during your showroom visit or call 763-200-7727.
Yes. Swim spas are eligible for GreenSky financing. Swim spa pricing varies significantly by model and size — we’ll walk through payment options with you during your setup plan consultation. Use the form above to start that conversation.
Yes. You can apply for GreenSky financing in our Apple Valley showroom at 14608 Felton Court, Suite 109. Our hours are Monday–Friday 10am–5pm and Saturday 10am–2pm. Call or text 763-200-7727 to schedule a visit.
MinnSpas is an award-winning hot tub and swim spa dealer located in Apple Valley, MN, serving the Twin Cities metro area. We carry top brands including Aquatic Spas, Artesian Spas, Softub, and TidalFit swim spas, with expert service, financing, and delivery. MinnSpas also operates EzHotTubParts.com for hot tub parts, filters, and water care shipped nationwide
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