We aim to make applying for finance as convenient as possible. Once you’ve chosen your hot tub, call us to discuss your specific requirements. We can then create a finance form based on your specifications to complete over the phone or to send as a web link. From there, it’s just a case of following the forms instructions and entering the requested personal details and, upon your authorisation, we can submit the form for approval from an appropriate lender for a quick answer.

All of our prices can be found on the Spa Home website or by calling us in the office on 01246 808088 and speaking to one of our sales representatives. They will also be able to discuss finance options and further details on your hot tub.

To be eligible to apply for finance you must be:

• A UK resident who has been living in the UK for, at least, the last 12 months
• Over the age of 18
• Either working at least 16 hours a week or retired with an income

Unfortunately, we are unable to offer online finance to residents of Eire.

All of our hot tubs are available on 5 years finance at 0% APR. We have a panel of lenders who can arrange the finance, subject to credit approval. To find out more, please just call us on 01246 808088 and the sales representatives will be able to answer further questions.

When your application is approved, the full details will be presented to you to check through and sign your credit agreement. Please ensure that you read through all of the terms and details carefully and contact us if you have any queries.

You will either be given the option to e-sign your agreement or required to print and return your credit agreement. If you are e-signing you will receive a PDF with the full credit agreement, when you are happy with all of the terms, please click on all the relevant sections to agree to the terms and complete the e-signature. Spa Home will then be notified and will arrange the shipment of your hot tub accordingly.

If you need to return your credit agreement as a paper copy, please print the PDF agreement and read it carefully to ensure you are satisfied with all the terms and conditions. The cover letter of the agreement will have the instructions for signing and posting your credit agreement. Once this has been received by the lenders, Spa Home will be notified and will arrange the shipment of your hot tub accordingly.

Please be aware that products will not be allocated to your order and no shipments made until your completed and signed agreement is returned and received by the relevant lender.

If you have any questions at any time in the process, please call us on 01246 808088.

Credit scoring is an assessment that financial services undertake to ascertain the credit risk of a new application. The panel of lenders will complete a credit score as part of your application for online finance, by awarding points based on your answers to the credit application form. For example, it will combine your age, income and occupation with information provided by credit reference agencies.

The credit scoring process does not discriminate based on gender, race, religion or disability and allows consistent, fair decisions to all applicants

The panel of lenders complete a credit score as part of your application and require confirmation of your identity. This allows them to access further information from credit reference agencies such as existing commitments. The lenders build their own assessments and have different criteria for approval.

Spa home is not able to provide reasons for an individual application being declined and these decisions are made by the panel of lenders. However, it is usually due to one of the following factors:

• Your credit score (different credit agencies score differently so this is based on the credit agency that the lender is using)
• Adverse information from the credit reference agency
• You are assessed to be over committed with existing finance
• You are aged under 18
• Your existing performance with other lenders

Credit reference agencies hold a mixture of public and private information. The public information includes electoral roll information, county court judgements and information about bankruptcies. Lenders may also provide the credit reference agencies with private information about your accounts with them, such as your payment history or balance on any accounts with them.

Credit reference agencies also have a record of any credit reference searches but not the results of the search.

All the lenders we work with are regulated by the FCA and, as such, adhere to GDPR and data protection regulations. Your privacy will be protected and the information about you will only be used for the purposes of the application.

The credit reference agencies have a statutory requirement to provide the information they hold about you. If you believe the information they hold is incorrect, you can ask the agency to correct or update it.

You can request this information online through the relevant agency’s website or in writing at the below addresses. For a request in writing, you should send a cheque for £2.00 made payable to the relevant company along with the details of your address(es) over the past 6 years.

Consumer Help Desk Experian Limited – PO Box 8000 Nottingham NG1 5GX

Equifax Ltd., Credit File Advice Centre – PO Box 1140. Bradford, BD1 5US

Consumer Services, Callcredit Limited – PO Box 491, Leeds, LS3 1WZ

We are aware that people’s circumstances can change so, even if a previous application was refused, a new request may be successful. You can apply for credit at any time, but we recommend leaving at least 6 months between applications.

The finance repayments will depend on how much you are looking to borrow over 5 year period. We can give you a quote over the phone or in writing before submitting the finance application. If you would like to have a quote over the phone, please call 01246 808088 and the sales team will be able to help.

When you receive the finance agreement, you will then have another opportunity to check through the payment details along with the terms and conditions to ensure you’re happy with it before you sign. Prior to signing you are under no obligation to take up the credit offer.

We do not charge any fees for arranging finance.

There are optional services that you may want to take up which have an additional cost. You can also choose to pay for extras to your hot tub such as installation or peripherals such as a cover lifter. These will be at the same price regardless of whether you choose to take up the finance or to pay outright.

We’ve designed our finance offer to ensure that you can still use them by putting down a small deposit. The minimum deposit size is £99 but you are welcome to put down a larger deposit if you prefer, which may reduce monthly repayment and increase affordability.

We are only able to deliver goods to the home address listed on the finance application. This is to protect our customers and ourselves against fraudulent applications.

If you are considering for the hot tub purchase to be for a secondary address or home, please call us in advance so we could discuss whether we can facilitate that.

To pay off the remaining balance of your loan, at any time, all you will have to do is speak to your lender directly and they will arrange the final payment. We work with several lenders so your lenders contact details will be on your credit agreement.

If you have more questions or would like to talk through the details, please just give us a call on 01246 808088 and the sales team will be able to assist.