Choose the experience first
Compare the seating, lounge configuration, jet feel and dimensions in a showroom. A tub that looks right in a photo can feel very different when you sit in it. Shortlist the models you would actually enjoy using before deciding how much to borrow.
Include the work around the tub
Ask your showroom to itemize the hot tub, cover, steps, selected options, delivery and sales tax. Base preparation and electrical work can involve separate contractors. An existing patio or outlet does not establish that the site is suitable; confirm the model requirements before committing to installation.
Plan for life after delivery
Leave room in the household budget for electricity, water-care products, replacement filters and future service. These ongoing expenses are different from the purchase quote and the lender payment. Ask how your chosen model is maintained, who provides service and which accessories are included.
From a clear quote to a written offer.
- 01Get the complete quoteChoose your model and ask the showroom to identify the product, accessories and project costs.
- 02Apply with the lenderUse the approved application link. Read the lender’s eligibility and credit-review disclosures before submitting.
- 03Check the agreementReview the APR, fees, monthly payment, term and total repaid. Your showroom then confirms the order and installation plan.
A Southern Leisure quote is separate from a credit application. An application does not reserve a product or confirm delivery. If part of the work is billed by another contractor, confirm with your showroom and lender how that expense will be handled.
Hot tubs financing questions.
Can I ask about hot tub financing before choosing a model?
Yes. Your showroom can explain the application process while helping you compare models. Get an itemized quote for the model you want before choosing a requested loan amount.
Does a hot tub finance quote include installation?
Ask what the written quote includes. Delivery, placement, a suitable base and electrical work are separate project details; some work may be billed by an independent contractor. Confirm with the showroom and lender which costs can be included in your agreement.
Is a quote a credit application?
No. Requesting a Southern Leisure quote helps define the product and project scope. A credit application is submitted separately on Mountain America Credit Union’s site.
Who sets my hot tub loan rate and payment?
Mountain America Credit Union sets the approved amount, rate and terms following its review. Check the written APR, fees, payment schedule and total repaid before accepting an offer.
