Financing
A good cold plunge is a four-figure purchase. Financing through Affirm splits it into monthly payments — you see the exact terms before you commit, and checking your rate never touches your credit score.
How it works
- Add your plunge, sauna, or chiller to the cart and head to checkout as normal.
- Choose Affirmat the payment step. You'll answer a few questions — it's a soft credit check, so there's no impact to your credit score to see your options.
- Affirm shows your monthly payment plans and the exact rate you qualify for — including 0% APR promotional terms for qualified buyers on eligible orders. What you see is what you pay: no late fees, no compounding interest, no fine print.
- Pick a plan, confirm, done. We ship on the same timeline as any paid order.
The honest details
Financing is subject to Affirm's credit approval, and your exact rate and eligible terms depend on your credit and the order — Affirm shows them to you at checkout before anything is final. We don't see your credit information and we don't mark up prices for financed orders: the price is the price, financed or not, and our price match guarantee applies either way.
Returns on financed orders
The 30-day try-it-cold guarantee works exactly the same on financed orders. If you return the product, Affirm refunds or cancels the loan per their standard process.
Text us the product you're eyeing and we'll walk you through what financing looks like on it. Real humans, weekdays 9am–5pm CT.
Text (608) 909-8117