Buy secondhand. Pay monthly.
A secondhand Tonal on Commonplace lists for about $2,325, against $4,295 new. With financing, that is as low as …. We inspect, deliver, and set up the Tonal.
Estimate from PayTomorrow's calculator for the longest available term (up to 48 months). It shows once that calculator loads. Your rate, term, and payment depend on the lender and your application. Not every applicant is approved. Eligible items are $500 to $20,000.
New versus secondhand
Financing a new hot tub at full retail means borrowing more, for longer.
Financing a secondhand one means borrowing the asking price, after the biggest drop in value.
New Tonal, financed
- Full retail, before tax and install
- Secondhand listings sit about 46% under that price
- You finance the full retail price
Secondhand Tonal on Commonplace
- Inspected before pickup, set up on delivery
- A little over half the new price. Pay it off sooner if you want
- Subject to lender approval
What buyers pay, by category
Median asking prices on Commonplace as of September 29, 2026, next to the median new retail for that category. The monthly figure is PayTomorrow's longest-term estimate, and it is subject to approval.
| Category | New retail | Secondhand | As low as |
|---|---|---|---|
| Peloton Tread | $3,000 | $2,228 | … |
| Tonal | $4,295 | $2,325 | … |
| Massage chair | $8,000 | $2,438 | … |
| Cold plunge | $6,000 | $3,565 | … |
| Sauna | $7,000 | $4,245 | … |
| Hot tub | $11,000 | $5,020 | … |
Medians of active Commonplace listings as of September 29, 2026. Sauna retail of $6,999.50 is shown as $7,000. Monthly figures are estimates. Your offer depends on the lender and your application.
How financing works
Same purchase you would make in full. What changes is who you pay, and when.
Find the item
Eligible listings can show an "as low as" monthly price. Pick the treadmill, tub, or sauna you want.
Choose financing at checkout
One short PayTomorrow application goes to several lenders. Commonplace charges nothing today. Your first payment to the lender places the order.
We inspect and deliver
We inspect the item before pickup, then deliver and set it up. Delivery is free within 100 miles of the seller.
Pay monthly
Payments go to the lender on the schedule you agree, for up to 48 months. Every order includes a free 2-month parts warranty.
When financing fits, and when it does not
Buy the item you will use. Here is the plain version.
Good idea
- You will use it most days, like a treadmill in place of a gym membership
- The secondhand price is well under new, and the monthly payment fits
- A listing you want is up, and you would rather not wait to save
- You want to keep cash free for the pad, the electrical, or the move
Skip it
- The payment only works if nothing else goes wrong this year
- You would be fine without the upgrade
- You would pick a bigger item because the monthly looks small
- You want to try it first. Eligible listings can be rented from the product page. Browse the shop
Check your options
One application. Several lenders. If a traditional lender says no, a lease-to-own option may still be available on smaller amounts, subject to approval.
Apply at checkout
Add an eligible item to your cart and choose Financing. You finish a short PayTomorrow application, then come back here. Checking your options will not affect your credit score. Commonplace charges nothing today. Your first payment goes to the lender when you finish the application, on a term of up to 48 months, for items from $500 to $20,000.
Start shopping
Every listing is inspected before pickup. Delivery and setup are handled by Commonplace.
Explore financing by category
Each category has its own page. The estimator starts at that median asking price.
Financing FAQ
Can I finance a secondhand item?
Yes, when the item is eligible. Financing is available at checkout on items priced from $500 to $20,000. That includes secondhand fitness equipment, hot tubs, saunas, cold plunges, furniture, and appliances. Titled goods such as cars, boats, RVs, and motorcycles are not eligible. Approval is up to the lender.
Who is the lender?
Financing at checkout is provided by PayTomorrow. One application goes to several lenders, including a lease-to-own option. You see the lender, the rate, and the terms before you accept anything. Klarna and Affirm, when checkout shows them, collect the order in full. They are not this monthly plan.
How long are the terms?
Up to 48 months on approved credit. A longer term lowers the monthly payment and raises the total you repay. The shortest term you can comfortably afford usually costs less overall. The term you are offered depends on the lender and your application.
Do I pay Commonplace anything at checkout?
No. When you choose financing, Commonplace charges nothing today. Your first payment goes to the lender when you finish the application, and that payment places the order. After that, you pay the lender each month.
What if I have fair or limited credit?
Apply anyway. Checking your options will not affect your credit score, and all credit types are considered. The application goes to several lenders, including a lease-to-own option on smaller amounts. Lease-to-own usually costs more in total, so read the terms before you sign. Not every applicant is approved.
Is delivery included?
Delivery within 100 miles of the seller is included in the listing price. A longer distance adds a mileage charge at checkout. You see that charge before you apply.
What happens if something is wrong on delivery?
Every item is inspected before pickup, and you approve that inspection. Damage in transit, or a mismatch found at delivery, can be cancelled at no charge. Every order includes a free 2-month parts warranty. Longer cover is optional at checkout.
Can I pay it off early?
Your lender's agreement spells out early payoff. Read it before you sign. Many lease-to-own agreements let you buy the item early for less than the full term.
Financing is provided by third-party lenders through PayTomorrow, not by Commonplace Solutions, Inc. It is offered at checkout on eligible items from $500 to $20,000. Titled vehicles are not eligible. Not all applicants are approved. Monthly payment estimates are for illustration only. They come from PayTomorrow's calculator for the longest available term (up to 48 months) and appear after that calculator loads. Your actual rate, term, total cost and payment depend on the lender and your application. Checking your options at checkout will not affect your credit score. Lease-to-own agreements are not loans and may cost more than the item's cash price. Median asking prices and typical new retail figures reflect Commonplace listings as of September 29, 2026. They are not a quote.