Your Sauna.
Your Terms.
Quality saunas are a long-term investment. At checkout, you’ll see two financing options alongside credit card and PayPal: Affirm (0% APR on 6-month terms for qualified buyers; approximately 15% APR on longer terms) and Cash App Afterpay (approximately 6.99% APR on 6 to 12-month terms). You apply directly with the provider in about two minutes — not with Pure Heat Retreat. Approval, rate, term, and monthly payment are determined by the lender based on your credit.
Calculate My Payment
See What Your Sauna Really Costs Per Month
The table below shows real monthly payment examples across popular price points. 0% APR applies only to 6-month terms for qualified buyers. Longer terms are approximately 15% APR, subject to credit approval.
| Sauna Price | 6 mo (0% APR)* | 36 mo (~15% APR)** |
|---|---|---|
| $1,999 | $334/mo | $69/mo |
| $2,999 | $500/mo | $104/mo |
| $3,999 | $667/mo | $139/mo |
| $4,999 | $834/mo | $173/mo |
0% APR available on 6-month terms for qualified buyers. Longer terms (12 months and up) are approximately 15% APR, subject to credit approval. Down payment may be required. Rates shown are illustrative; actual rate and eligibility determined at checkout.
You Apply at Checkout, Not With Us
Pure Heat Retreat does not originate, underwrite, or approve financing. When you click Proceed to Checkout, you’ll see Affirm and Cash App Afterpay as payment options alongside credit card and PayPal. You apply directly with the financing partner in about two minutes.
All approvals, rates, terms, and monthly payments are determined by the lender based on your credit. A soft credit check is used for prequalification and will not impact your score; the final loan application may involve a hard credit check.
Affirm loans are subject to eligibility and are provided by Affirm’s lending partners. Cash App Afterpay Pay Monthly loans are provided by Cash App Investing, LLC or its affiliates. See Affirm and Cash App Afterpay websites for full terms.
Choose the Plan That Fits Your Life
Plans are offered by Affirm and Cash App Afterpay. Rates and availability subject to credit approval. You apply directly with the provider at checkout.
- Lowest total cost option
- Higher monthly payments
- Best for buyers with flexibility
- Available on all orders over $999
- Best balance of payment + cost
- About $271/mo on a $3,000 sauna at 15% APR (12-month term)
- No prepayment penalties
- Available on all orders over $1,499
- Lowest monthly payments
- About $104/mo on a $3,000 sauna at 15% APR (36-month term)
- Subject to lender approval
- Available on all orders over $1,999
“A medical expense is one paid “primarily for the prevention or alleviation of a physical or mental defect or illness.””
IRS Publication 502Pay with Your Health Savings Account
If you qualify, you can use pre-tax HSA or FSA dollars to purchase a sauna — potentially reducing your out-of-pocket cost by 20–40% depending on your tax bracket. Saunas are eligible medical expenses when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
To use HSA/FSA funds, you’ll need a Letter of Medical Necessity (LMN) from your healthcare provider. We recommend requesting one before purchase so it covers the transaction date. We provide itemized receipts suitable for HSA/FSA reimbursement submission.
Commonly Approved Uses
- Physician-recommended heat therapy
- Post-workout muscle recovery
- Stress management and relaxation
- General wellness use with Letter of Medical Necessity
HSA/FSA eligibility varies. Consult your plan administrator or tax advisor. We recommend obtaining a Letter of Medical Necessity from your physician for documentation.
How Financing Works
01 — Choose Your Sauna
Add your sauna to cart. Use our payment calculator to find a monthly payment that fits your budget before you even start the application.
02 — Apply in 2 Minutes
At checkout, select “Finance with Affirm” (or our partner). Fill in basic info — name, date of birth, last 4 of SSN. No hard credit pull to check your rate.
03 — Get Instant Decision
Most applicants receive an instant approval decision. Select your preferred term, confirm your monthly payment, and complete checkout. No paperwork.
04 — Enjoy Your Retreat
Your sauna ships. We coordinate delivery and setup. Your first monthly payment is due 30 days after purchase. That’s it — no surprises.
Financing FAQ
Checking your rate with our financing partners uses a soft credit inquiry — this does not affect your credit score. Only if you accept a loan offer and complete the application will a hard inquiry be made, which typically has a minimal short-term effect on your score.
Yes. All of our financing partners allow early payoff at any time with no prepayment penalty. If you receive a 0% APR offer, paying early simply means you pay less total — there’s no benefit to stretching it out.
If you’re not approved through our primary partner, we can try alternative lenders. We also accept all major credit cards, PayPal, bank transfer, and HSA/FSA cards. Our consultation team can also suggest alternative configurations at a lower price point that may be easier to finance.
Unfortunately, most HSA/FSA cards cannot be used as a down payment in combination with a financed purchase through a third-party lender. The most common approach is to pay the full amount with your HSA/FSA card if it covers the purchase, or to finance the full amount and then submit for reimbursement from your HSA/FSA account separately using your receipt.
Yes. For commercial orders (gyms, spas, corporate wellness programs), we offer net-30 and net-60 terms for qualified businesses, as well as equipment leasing options. Contact us directly for commercial pricing and terms.
Ready to Own Your Retreat?
Browse our full collection and apply for financing directly at checkout. No separate application — everything happens in one place in under 5 minutes.
Browse Saunas Talk to a Specialist