One loan for the hot tub and its full installation.
A hot tub is not just the shell — it is delivery, the pad it sits on, and the dedicated circuit to run it. One fixed-rate loan covers the whole installation instead of just the sticker in the showroom.
Fixed rates from
7.74%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- The spa itself, new or a swim-spa upgrade
- A reinforced pad, deck, or gazebo to set it on
- A dedicated electrical circuit and permit
- Delivery, crane placement, and startup chemistry
Why a Lightstream loan.
Covers the install, not just the shell
Showroom financing often stops at the spa. A loan funded to your account pays the electrician and the pad crew too, so the real cost is covered in one place.
A fixed payment, not store credit
Retailer financing frequently hides a deferred-interest trap. A fixed-rate loan has one steady payment and no retroactive interest if you miss a promotional date.
A faster-payoff term
This purpose is sized for shorter terms, matching the payment to a purchase you will enjoy for years without stretching it across a decade.
Buy from any dealer
Funds in your account let you choose the spa and the installer on quality, not on which one offers the least-bad in-house financing.
Loan amounts and terms.
- Loan amounts
- $3,000 – $50,000
- Repayment terms
- 2–6 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 7.74%–18.74% | $312.17/mo |
| 4 years | 8.54%–19.54% | $246.67/mo |
| 5 years | 9.44%–20.44% | $209.73/mo |
| 6 years | 9.44%–20.44% | $182.45/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Yes, and that is the point. A typical hot-tub install adds a dedicated 240-volt circuit and a reinforced base — often a meaningful share of the total. Because funds go to your account, one loan pays the spa dealer, the electrician, and the pad contractor.
Retail spa financing is frequently a store card with deferred interest — miss the payoff date and interest is charged retroactively on the whole balance. A fixed-rate loan states its rate up front, keeps one payment, and never reprices.
For financing, yes — a swim spa is simply a larger installation, so you would borrow more and it may bump against this purpose’s amount range. The calculator shows the available amounts; a larger project can also fit under home improvement.
This purpose favors the program’s shorter term bands, listed in the calculator, so you are not carrying a spa balance for a decade. Shorter terms mean less total interest.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.