Flexible Financing
Bring Home Your Spa Without Paying All at Once
Your hot tub or swim spa should fit your budget as well as your lifestyle. Master Spas of California has partnered with Synchrony to offer flexible financing options and competitive rates for qualified buyers.
Financing available through
Hot Tub Financing
Payments Under $100/Month*
Enjoy your hot tub now while spreading the investment over time.
Swim Spa Financing
Payments Under $275/Month*
A swim spa is a major addition to your home, but you don't necessarily have to pay for it all at once. Qualified buyers can take advantage of financing options designed to make owning an H2X or Michael Phelps Swim Spa more accessible.
More Backyard. Less Upfront.
Financing gives you the flexibility to choose the spa you actually want without making the entire investment on day one. Whether you're looking for a premium hot tub for nightly relaxation or a full-size swim spa for swimming, fitness, recovery, and family time, our team can walk you through available financing options and help you understand what your estimated monthly payment could look like.
Find Out What Your Spa Could Cost Per Month
Visit Master Spas of California or contact our team to explore current financing options.
9.99% APR for 132 months*
On spa purchases after discounts made with your Synchrony Project Card. A $29 account activation fee may apply. Fixed monthly payments required for 132 months.
Every payment quoted on this site assumes nothing down. The card finances the spa, 9% sales tax and the $99 documentation fee together on one receipt, and the monthly payment is 1.25% of that total, rounded up to the next dollar. Delivery, electrical work, and any accessories or site preparation are not included, so adding them raises the payment.
What the advertised payments mean
- Hot tubs under $100 a month
- A purchase price of $7,175 or less before tax and fees, financed over 132 months at 9.99% APR with nothing down.
- Swim spas under $275 a month
- A purchase price of $20,019 or less before tax and fees, financed over 132 months at 9.99% APR with nothing down.
These payments are available on select models, not on every spa we carry. Most spas cost more than this and carry a higher payment. Ask us for the exact figure on the one you want.
* Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.25% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Visit Us
Sit in one before you decide
Stop by any of our 3 California showrooms and try one for yourself. Our team will help you find the right fit for your space and budget.
