The easiest way to apply for finance is through simply applying for finance directly through the website from the hot tub page that you’re interested in, simply click “Apply for Finance” and complete the short form.

You can also call one of our friendly advisors to run through the application process with you on 0115 954 2077.

How to apply for finance?

Applying for finance can initially sound difficult or scary, but actually, it’s a very simple process and we’ll be there to guide you through it. Once you have made the most difficult choice of which hot tub you want to purchase, you can easily apply online for finance, or call one of our friendly advisers to let us know what deposit and the length of years that you would like the finance to cover. If you call one of our team, then they will send a finance link via email of the specifications that you require. Once you have clicked the link, just follow the simple steps of entering your required personal details and we’ll then complete the rest of the application!

Subject to application, financial circumstances and borrowing history.


If you’d like more details about the finance options or the price of a specific hot tub, then speak to one of our friendly hot tub advisors who will be more than happy to help you, call them on 0115 954 2077

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and must have lived in the UK for the last 12 months or more.
We are unfortunately unable to offer online finance to residents of Eire.

Homemakers aren’t excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

Subject to application, financial circumstances and borrowing history.

Almost all of our hot tubs are available to purchase using finance. For any further information that you may require, you can talk to one of our friendly hot tub advisors on 0115 954 2077

Once your application is approved, you should be presented with the option to sign your credit agreement. Once you have been presented with this option, you will be given the ability to e-sign the credit agreement if you choose to do so. You should ensure to read the credit agreement carefully before clicking all the of the necessary & relevant sections agreeing to its terms.
Once you have agreed to all of the credit agreement terms, one of our staff at Hot Tub Master LTD will be notified and will move forward with your credit agreement.

If for an unknown reason, are unable to sign with an e-signature, we will send you a hard copy of the finance agreement which you will need to read over, sign and return in the post to the specific finance company.

Please note that products will not be allocated to your order until you have completed and signed the agreement and it has been returned and received by the necessary panel of lenders. Notice of shipment of your goods will follow son after your agreement has been returned to our finance company.

To evaluate the credit risk of a new applicant, credit scoring will be used by the financial services to ensure that finance can be accepted d. Credit scoring essentially works by awarding a number of points for each answer given by the applicant, such as age, income & occupation, and also any other information gathered by credit reference agencies. This information is used to create the financial decision whilst also ensuring that all our applicants are treated fairly. It is important to note that this process does not discriminate on the grounds of sex, race, religion or disability.

Why was I declined?

Whilst primarily using the credit scoring process, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information that’s currently held at the credit reference agencies. We are unable to provide you with the specific reason for your application being declined, but it is usually based on one or a combination of the following:

  • Your current credit score
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • You are not a UK resident
  • Your existing account performance with other lenders

Yes you can. Sometimes circumstances can change and just because we have refused an application in the past, it does not mean that we’ll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Alternatively we’re working with a secondary finance partner – Snap Finance that you can apply to directly and check your eligibility for a flexible payment plan with a representative 19.9% APR.

Snap Finance could help you borrow up to £7000 and spread the monthly costs over 48 months with interest or pay back the full amount in 4 monthly instalments to cancel any interest.

Interest is charged from the day your loan starts and will only be cancelled if you pay off the amount of credit advanced within the Pay in 4 periods.

There is a minimum £99 deposit if you’re approved (£50 to Snap Finance and £49 to Hot Tub Master), but you won’t need to pay that until you’ve chosen your items and are ready to sign the agreement. You can check your eligibility without affecting your credit score.

Representative Example: Cost of Goods £1200, Deposit £50, Amount of Credit £1150, Annual Fixed Interest Rate 18.26%, Monthly Payment £34.05, Term 48 months, Total Payable £1684.40, Representative 19.9% APR

Hot Tub Master Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number 788287). We are a credit broker, not a lender, and offer credit facilities from Snap Finance Ltd. Snap Finance Ltd act as the lender. Credit Subject to status. Terms and Conditions apply.

Snap Finance Ltd is a company registered in England and Wales. Company Number 08080202 Registered address: Snap Finance Ltd, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB

Apply for Snap Finance now

Some information that they access is already public information, for example, electoral roll, County Court Judgements and bankruptcies. Other Lenders may also file information about accounts that you currently hold with them; for instance this could include your payment history and any outstanding balance on these accounts. It’s important to note that any requests for credit, where a credit reference search has been undertaken, will also be filed although the result of the request is not recorded.

To obtain a copy, you need to send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Center. PO Box 1140. Bradford, BD1 5US
Consumer Services, Callcredit Limted, PO Box 491, LEEDS, LS3 1WZ

The above-listed agencies will be able to provide details of information that relates to these addresses. If you believe that any of the information is incorrect, you can ask the agency to correct it.

We will only be able to give you the answer to this once you have completed the application form and advised us on which hot tub you want to purchase. The repayment amount entirely depends on:

  • How much you want to borrow
  • How long you want to take to pay it back
  • The deposit amount

However, before you sign the finance agreement, you’ll be given time to look through the payment schedule to ensure that you’re happy with it and all of the terms. If you’re not, you are under absolutely no obligation to continue with the finance.

No, there is absolutely no charge for arranging finance. You may, however, be required to pay for any optional services that you choose to pay extra for, such as delivery or installation, or perhaps a longer warranty charge.

Our finance deals have been created to suit you, so if you don’t have a large deposit to finance the initial part of your hot tub, then you can simply put down a small amount. Monthly payments are also kept low, so you will be able to repay without any issues.

If at any point you wish to pay off the remaining balance of your finance loan, all you have to do is simply call the lender and they will arrange a final payment with you. There may be a charge from your finance provider for doing so, which will be detailed on your individual finance agreement.

In order to safeguard against any fraudulent applications that could occur, we regret to inform you that we’re only able to deliver goods to the home address of the applicant.