Shop Pay Flexible Financing
Your Dream Sauna,
Paid Your Way
Split your purchase into flexible installments with no hidden fees. Shop from HUUM, Harvia, SaunaLife, Auroom, and 15+ premium brands — and pay over time.
Browse All Products4.8★
Trustpilot · Rated Excellent
0%
Interest on 4× plans
Free
Shipping · Lower 48
Available at Checkout
Pay in 2, 4, or monthly
0% interest on short plans
Powered by Affirm · US only
Choose Your Plan
Flexible Ways to Pay
Shop Pay Installments, powered by Affirm, lets you split your purchase into easy payments at checkout. Choose the plan that fits your budget.
Pay in 2
Split your order into 2 equal payments. First payment due at checkout, second due 14 days later.
Example: $2,000 order → 2 × $1,000
Most Popular
Pay in 4
Our most popular option — split into 4 equal bi-weekly payments. 0% interest. No fees when you pay on time.
Example: $2,000 order → 4 × $500
Monthly Financing
Spread larger purchases over 3–12 monthly payments. Rates based on credit profile. Approval through Affirm.
Example: $3,000 order → from ~$250/mo
Trustpilot 4.8★
Rated Excellent
Secure Checkout
SSL encrypted payments
Free Shipping
Lower 48 states
Price Match
Find it cheaper? We match it
Pay Over Time
Popular Products with Shop Pay
Save $437.75
Save $584.44
Save $772
Save $733.75
Simple & Transparent
How Shop Pay Installments Works
From browsing to delivery — flexible financing takes just seconds at checkout.
1
Add to Cart
Browse HUUM, Harvia, SaunaLife, Auroom, and more. Add your heater or sauna to cart.
2
Choose Shop Pay
At checkout, select Shop Pay and pick your installment plan — 2, 4, or monthly payments.
3
Instant Decision
Get an instant approval decision. No lengthy paperwork, no hard credit pull for 4× plans.
4
Enjoy Your Sauna
We personally confirm every order before it ships. Free delivery to the lower 48 states.
Common Questions
Shop Pay FAQs
For 4-installment plans, there is no interest or fees when you pay on time. For monthly financing plans (3–12 months), your rate depends on your credit profile and is disclosed before you confirm your purchase.
Shop Pay Installments is available at checkout. Eligibility may vary based on order total and your Affirm account status. Most sauna heater and sauna purchases at Sauna Heater Supply qualify.
For pay-in-4 plans, checking eligibility does not affect your credit score. For longer-term monthly financing, Affirm may perform a soft credit check as part of the approval process.
Shop Pay Installments is currently available to customers in the United States only. Our free shipping also covers the contiguous lower 48 states.
Yes. Our Price Match Guarantee applies regardless of payment method. Call us at 916-333-0240 or email sales@saunaheatersupply.com and we’ll match a lower price — then you can still pay with Shop Pay Installments.
Returns follow our standard Return Policy. If you return an item purchased with Shop Pay Installments, any refund is applied back to your Affirm loan. Contact our team for specific scenarios.
Yes — we personally reach out to every customer before shipping any order. This ensures your heater or sauna is the perfect fit for your space, regardless of how you pay.
More Ways to Save
Other Financing & Savings Options
Shop Pay isn’t the only way to make your sauna more affordable.
Pay with HSA or FSA Funds
Your Health Savings Account or Flexible Spending Account may cover sauna purchases for qualifying medical conditions. We’ve partnered with TrueMed to make it easy — pay with your HSA/FSA card directly at checkout.
Learn About HSA/FSA →Call for Our Best Pricing
We match or beat any competitor’s price. Our team is available Monday through Friday, 9am to 9pm EST. Whether you need help sizing your heater, comparing brands, or finding the best deal — we’re here.
Call 916-333-0240 →Ready to Start?
Start Your Sauna Journey Today
Browse HUUM, Harvia, SaunaLife, Auroom, Dundalk LeisureCraft, and more. Free shipping to the lower 48. We’ll reach out before anything ships.