Spa and Hot Tub Loans
Quick Quote
Spa loans to fit your needs and lifestyle.
Compare lenders, loans and rates with our straightforward application process.

$5000
Loan Amounts
1 - 7 Years
Loan Terms
Credit Protect
Find out your qualifying rate
Spas, Hot Tubs or Jacuzzis; Whatever you call them are a fantastic addition to any home, offering relaxation and a touch of luxury. If you’re considering adding a spa to your property, but need financial assistance, you’ve come to the right place.
That’s why we specialise in providing tailored financing solutions to turn your aquatic oasis aspirations into reality.
Understanding Spas
A spa, often referred to as a hot tub or Jacuzzi, is a compact, heated pool designed for relaxation and hydrotherapy. It’s typically equipped with jets that release soothing water streams and bubbles. Spas are known for their numerous benefits, including:
Space-Saving: Spas are space-efficient, making them a popular choice for homeowners with limited outdoor space. They can fit comfortably on patios, decks, or in smaller backyards.
Ease of Maintenance: Spas are relatively easy to maintain compared to larger pools. They require fewer chemicals, a smaller volume of water, and simple filtration systems, resulting in lower operating costs.
In recent years, the popularity of spas and hot tubs in modern home design has soared. Homeowners are increasingly valuing these compact aquatic features for their ability to offer relaxation, stress relief, and social enjoyment. Spas are now considered a key element of contemporary outdoor living, adding both aesthetic appeal and therapeutic value to modern home designs.

Type of Loans Available
Personal Loans With Security
Information
Secured personal loans use an unencumbered asset such as a car, boat, caravan or motorbike as security for the loan. A Secured Personal Loan can help in borrowing higher loan amounts as this provides comfort for the bank as it helps reduce their overall risk.
Unsecured Loans
Information
Unsecured personal loans offer flexibility with loan terms ranging from 1 – 7 years. Unsecured personal loans can start from $5000 to $60000.
COMMON QUESTIONS
iCREDIT offers personal loans that can be used to finance the purchase of a spa or hot tub. These loans are flexible and can cover the cost of your desired relaxation addition.
iCREDIT’s personal loans provide a lump sum of money for your spa purchase. They come with competitive interest rates and convenient repayment terms. You can repay the loan in monthly installments to make your spa purchase more affordable.
iCREDIT’s personal loans offer the benefit of competitive interest rates, making spa financing cost-effective. Additionally, the flexibility in loan terms allows you to tailor the loan to your budget and financial needs, making the spa purchase a hassle-free experience.
Absolutely, iCREDIT’s personal loans are an excellent choice for financing your spa or hot tub. The straightforward application process and reasonable interest rates make it a convenient option to bring your relaxation dreams to life.
The personal loan is for you, so generally it can be used for any worthwhile purpose. If purchasing an outdoor spa or hot tub, it is worth checking with your landlord first before applying for a pool loan.
CALCULATE YOUR REPAYMENT
A quicker, hassle free lending journey
Experience the ease of our straightforward 3-step process, ensuring you access your funds without delay.
Apply Online
Complete your application online in less than 5 minutes.
Upload
Upload your supporting documents
View Offer
Once approved – Review your loan offer and accept online
Choosing iCREDIT for your spa loans offers several distinct benefits:
Expertise in Spa Financing:
iCREDIT specializes in spa loans, backed by a team of experts who understand the unique needs and challenges of financing these relaxation and wellness features. Our experience ensures that you receive tailored solutions that suit your specific requirements, whether it’s for a spa, hot tub, or other hydrotherapy addition.
Competitive Interest Rates and Flexible Terms:
We offer highly competitive interest rates, allowing you to secure financing for your spa at affordable terms. With flexible loan terms, you can choose a repayment schedule that aligns with your financial capabilities and goals.
Convenient Loan Application Process:
At iCREDIT, we’ve streamlined the loan application process for your convenience. With user-friendly steps and responsive customer support, applying for a spa loan is straightforward and hassle-free. We’re committed to making your financing experience as smooth as possible, so you can start enjoying your spa without unnecessary delays.
We’ve helped thousands of Australians find their loan.
PROS & CONS OF SPA LOANS
PRO'S
Affordable Access to Relaxation:
Spa loans provide an affordable way to enjoy the relaxation and therapeutic benefits of a spa or hot tub without paying the full cost upfront. This accessibility allows you to enhance your well-being and quality of life.
Flexible Financing:
Spa loans offer flexibility in terms of repayment. You can choose loan terms and monthly payments that fit your budget, making it easier to manage the cost of your spa over time.
CON'S
Accrued Interest:
One of the drawbacks is the accumulation of interest over the life of the loan. The longer the repayment term, the more you’ll pay in interest, which can add to the overall cost of the spa.
Debt Obligation:
Taking on a spa loan means adding to your overall debt load. If you’re not diligent about managing your finances, it can lead to financial stress and impact your credit score if you miss payments. It’s crucial to assess your ability to handle the additional debt responsibly.
News, Articles, Tips & Hints
ARE YOU READY?
Get a quote
Call us
iCREDIT Spa Loans are available throughout Australia, Melbourne, Sydney, Adelaide, Hobart, Darwin and Perth, Gold Coast, Palm Beach, Burleigh Heads, Tweed Heads, Brisbane, Ipswich, Sunshine Coast, and Queensland Today!
*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $40,000 secured over a term of 7 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 6.99% Comparison Rate: 7.71%