0% Hot Tub Finance

Applying for hot tub financing with us is really easy, we offer flexible financing solutions to help support a range of different budgets.

0% Interest Hot Tub Finance Options

We believe that hot tubs are truly worthwhile investments. They help us entertain, exercise and relax, which are all important for our physical and mental well-being.

That’s why we want our range of hot tubs to be affordable to everyone through our 0% finance and finance-bearing options, which let you spread the cost over 6 to 48 months.

Finance Calculator

Product Type:

Cost of Goods (£):

Deposit Percentage:

Deposit Amount (£):


Product Name

Value of Goods

Amount of Deposit

Amount of Loan

Term of Agreement


Monthly Instalment

Loan Repayment

Total Amount Payable

Cost of Loan

Please note that, due to calculations, your monthly repayment may differ very slightly from what you were expecting. Please check your monthly repayment figure before proceeding

Hot tub financing terms and conditions

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken approximately 14 days after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.


There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Legal Information

Tubs Direct Ltd is acting as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.

Take a look at our products available

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6 to 48 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Hot Tub Finance FAQs

Can I be declined for hot tub financing?

Yes, you can and the reasons for this can vary. It can be down to age (we can’t provide financing for those under 18), residency (we can’t provide financing for those outside of the UK) or credit score. Unfortunately, we can’t provide you with details as to why you’ve been declined. You can contact the lender directly for more information as to why you may have been declined.

Can I get hot tub financing with bad credit?

Everyone has a different credit rating and history, so we can’t give you a definite answer. You can apply for hot tub financing through us and we’ll process your application and let you know if you’re able to purchase a hot tub through financing.

Can I make an earlier repayment for my hot tub?

Yes, that’s no problem. If you want to pay your hot tub off entirely and before the end of your financing term, you can do so. To make early repayments or to pay your hot tub off in full, please contact the lender Omni Capital to do so.

Do I need to pay a deposit?

Yes, we just need a 50% deposit upfront before we can complete your order.

How do I qualify for hot tub finance?

You will only be considered for finance if you:

  • Are at least 18 years old
  • You’re in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a UK bank account capable of accepting Direct Debits
  • Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
  • Provide an email address so your documentation can be emailed to you.

How does our hot tub financing work?

Our hot tub finance option is really easy to apply for and can help you manage your payments.

The value of the hot tub must be over £250 and you can choose a deposit of up to 50% of the value of the goods. You can then spread the cost of your hot tub across 6 to 48 months.

All of our hot tubs are available with financing. Here’s how our hot tub financing application process works:

  • Find a hot tub you like and add it to the basket
  • Select ‘Deko’ at the checkout
  • Complete the application
  • Wait for your order to arrive

You can contact us on 0161 723 4044 to discuss our finance options, or simply follow the above steps to get started.

Which hot tubs can I get financing for?

Our entire range of hot tubs is available with 6-48 month 0% financing. You can view our full range of hot tubs here.

Will I need a credit check for hot tub financing?

Yes, you will be subjected to a credit check when applying for hot tub financing, which is standard practice for all companies offering finance solutions. If you have any questions about this or our financing options, you can contact us here.

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