Three Ways to Pay Smarter
A $5,296 sauna is a different decision at $147/month — or roughly $3,700 in pre-tax dollars. Here's every option, with the same worked example.
1. Consumer financing (Shop Pay Installments / Affirm)
- 0% APR promos on qualifying orders; terms up to 36 months
- Prequalify in about 60 seconds — soft check, no credit-score impact
- Vista 300 example: about $147/mo over 36 months
2. HSA / FSA funds
- Qualify with a short health survey at checkout (~5 minutes)
- Pay with pre-tax dollars — roughly a 30% effective saving for most buyers
- Vista 300 example: effective cost ≈ $3,700
3. Business equipment financing
- For gyms, studios, clinics and home offices — application in minutes, terms in years
- Section 179: potentially deduct the full purchase price this tax year (consult your CPA)
- Ask about multi-unit recovery-room packages
Financing figures are illustrative — final terms come from the lender at checkout. HSA/FSA eligibility is determined by clinical review. We are a retailer, not a tax advisor.