Can You Finance a Used Hot Tub?

Listen to the episode: From Sofas to Swim Spas: Secondhand Goods Get the Buy-New Experience, Supercool with Josh Dorfman, aired October 21, 2026. Listen on Apple Podcasts.

Short answer: Yes, on Commonplace. Eligible used hot tubs, and other items priced from $500 to $20,000, can be financed at checkout through PayTomorrow, for up to 48 months on approved credit. You can also pay by card, and fitness and wellness items like hot tubs can be paid for with an HSA or FSA after a Letter of Medical Necessity. A seller on Facebook Marketplace usually wants cash.

On Supercool, host Josh Dorfman pointed out that financing is something "you generally can't do when you're buying used products from another person." Ari Kimmelfeld explained what Commonplace offers instead.

What Ari said

And on top of that, you can pay for it on a credit card. It's HSA FSA eligible. So if you have an HSA card, you can pay for it that way. You can finance it.

Ari Kimmelfeld on Supercool, at 23:41

You can't do any of that on Craigslist or Facebook. It's like, you either have the cash or you don't.

Ari Kimmelfeld on Supercool, at 24:00

So we really make that decision easy.

Ari Kimmelfeld on Supercool, at 24:15

How financing works on Commonplace

• Choose financing at checkout. One short PayTomorrow application goes to several lenders.
• Eligible items. Priced from $500 to $20,000. Titled goods such as cars and boats are not eligible.
• Terms. Up to 48 months on approved credit. A longer term lowers the monthly payment and raises the total you repay.
• Your credit score. Checking your options will not affect it.
• Nothing due to Commonplace today. Your first payment goes to the lender.

Start on the financing page or the hot tub financing page.

Paying with an HSA or FSA

Ari said a hot tub can be paid for with an HSA card, which a stranger selling one online will not take. On Commonplace you get a Letter of Medical Necessity first, from a licensed clinician review, before you buy. Then you check out with your HSA or FSA card, or pay another way and send the letter and receipt to your plan for reimbursement. See hot tubs with an HSA or FSA and how to buy fitness equipment with your HSA or FSA.

What comes with the hot tub

• A $1 hold reserves it.
• A 30 to 50 point inspection before pickup, with a report you approve.
• Delivery and setup. Free within 100 miles, and Commonplace ships nationwide.
• A free two-month parts warranty. Labor coverage is an optional add-on.

Browse used hot tubs for sale. For the full conversation, read Is Buying Used as Easy as New?: Ari Kimmelfeld on Supercool.

Commonplace is the Facebook Marketplace, Craigslist and OfferUp alternative for big items. Listing is free, and Commonplace handles pickup, inspection, delivery, secure payments, and a free two-month parts warranty. Delivery is free within 100 miles, and Commonplace ships nationwide. See how it works.

Related questions

Does checking financing affect my credit score?

No. Checking your options at checkout will not affect your credit score. One short PayTomorrow application goes to several lenders, and approval is up to the lender.

Can I pay for a used hot tub with an HSA or FSA?

Yes, with a Letter of Medical Necessity. You get it first, from a licensed clinician review. Then check out with your HSA or FSA card, or pay another way and send the letter and receipt to your plan. See how HSA and FSA buying works.

What else can I finance on Commonplace?

Eligible items priced from $500 to $20,000, including secondhand fitness equipment, saunas, cold plunges, furniture, and appliances. Titled goods such as cars, boats, RVs, and motorcycles are not eligible.

Thank you to Josh Dorfman for having Ari on Supercool. Quotes are from the episode, lightly edited for reading. Listen to the full conversation on Apple Podcasts.

More from Ari's podcast interviews: questions Ari answered on podcasts and every show he has been on.

See financing options