0% APR financing.

Choose your term.

months

0% APR

Split your purchase into 6 equal payments with no interest.

months Most popular

0% APR

A full year to pay with no interest charges on qualifying orders.

months

Low APR

Spread payments over 3 years. Rate determined at checkout by lender.

Browse cold plunges and saunas and add your choice to cart. No financing application required before you shop.

Choose Klarna or Affirm at checkout and select your preferred term. You'll complete a short application in under two minutes.

Approval decisions are instant. Once approved, your order processes immediately and ships within 7–10 days.

Does applying affect my credit score?

Klarna and Affirm each have their own approval process. Some applications involve a soft credit check (no impact) while others may use a hard inquiry. Check with each lender before applying if this is a concern.
Is 0% APR guaranteed?

0% APR is available on qualifying orders and terms, subject to lender approval. The 36-month term carries a low rate set by the lender based on your credit profile. All terms are confirmed at checkout before you commit.
Can I pay off early?

Yes. Both Klarna and Affirm allow early payoff with no prepayment penalty. Paying early on a 0% APR plan saves nothing in interest, but it's always an option.
Is there a minimum order amount?

Financing is available on orders over $500. Most of our products qualify well above that threshold. Specific minimums may vary by lender.
What if I return a financed order?

If your return is approved under our Return Policy, the refund is sent to Klarna or Affirm and applied to your loan balance. Any remaining balance is cancelled. See our Return Policy for full details.

Financing is applied at checkout. Browse our full collection and pay the way that works for you.