Offer ends in


0115 954 8888

Close this search box.




To spread the cost of your hot tub, enquire about the 0% APR finance options available on all hot tubs. Plus with deposits starting from just £99, you can start enjoying your hot tub sooner.

We aim to make buying your hot tub as easy as possible with our simple four step process.

Find your ideal hot tub with it’s finance offer, or call our  sales team to work out your preferred deposit and repayment period.

Complete an application online or over the phone with our sales team.

Your details will be passed to one of our select panel of lenders who, subject to approval, will make a credit offer in writing.

Once the paperwork is completed and the deposit paid, we’ll arrange the delivery of your new hot tub!

If you have any questions around applying for finance or if you would just like to talk through the finance process in more detail,
please just call our knowledgeable Sales Team on

0115 954 8888

Blue Whale Spa Ltd. is a licensed credit broker. A panel of lenders provide the advertised credit, with whom we have a commercial relationship. Finance is only available to UK residents and credit approval is subject to application, financial circumstances and borrowing history. Written quotations are available on request and a no obligation written agreement will be provided before the credit is agreed.


How can I apply for finance?

Applying for finance has been designed to be as convenient as possible. Once you’ve chosen the products you’d like to purchase, use our handy finance calculator to see how your monthly repayments would change based on your deposit and the number of years you require the finance over.


Then make an initial application online or over the phone with the Sales Team, entering your personal details as required. We will send the details to one of our selected lenders and, subject to approval, they will send over the full credit agreement for you to review.

How can I find out the price of a hot tub?

The price and finance options for each hot tub is displayed on our website but if you’d like to know more about finance or the price of a particular hot tub, speak to our friendly Sales Team on 0115 954 8888. They will also be able to advise on specifications, delivery and provide expert advice on the whole process.

Who is eligible to apply for finance?

To apply for finance, you must be: 

  • Over the age of 18
  • Work at least 16 hours per week or be retired with an income
  • A UK resident who has been living in the UK for the past 12 months


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

Which hot tubs can I purchase on finance?

All of our hot tubs are available for purchase with 0% APR finance. We work with a select panel of lenders who can arrange the finance, subject to credit approval.

For further information, you can also speak to our Sales Team on 0115 954 8888.

Once my application is approved, what happens next?

Once your finance application has been approved by one of our lenders, the credit agreement will be immediately sent to you, either electronically or in the post. Please, ensure you read the credit agreement carefully and agree with all the terms before going forward. 


When you are ready to go ahead, simply sign the credit agreement, following the instructions on the covering letter and ensuring you click on all the relevant sections to agree to the terms. 


Once returned, your Blue Whale Spa sales representative will be notified and will be in touch to complete the hot tub order and take your deposit payment. 


Please be aware, no products will be allocated to your order until your signed and completed agreement is received by the lender.

Will you credit score me and, if so, what does that mean?

Credit scoring is the process that financial service companies complete to evaluate the credit risk of new applicants.


The finance lender will complete a credit score by awarding points for each answer given on your finance application form (such as age, income and occupation), together with information obtained from credit reference agencies. 


This information allows the lender to product consistent decisions, fairly and without discrimination on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, the lenders will also seek to confirm your identity and validate certain application details, existing commitments and information held at the credit reference agencies. 


We are unable to provide you with a main reason for any declined applications but these are usually based on one or a combination of the following: 


  • Your credit score (note: every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be over committed
  • You are aged under 18
  • Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?

Some of the information is public information such as electoral roll, county court judgements and bankruptcies. Other lenders may also file information about accounts you hold with them; for example, this could include your payment history and outstanding balance on these accounts. 


Requests for credit, although not the result, will also be filed if a credit reference search was undertaken. 


The selected lenders we work with are regulated by the FCA and adhere to GDPR and Data Protection Regulations. Your privacy will be protected and the information you provide to us will only be used for the purposes of the application.

How do I get a copy of the information held by credit reference agencies?

Credit reference agencies have a statutory requirement to share the information they hold on you, when requested. If you believe that the information is incorrect, you can ask the agency to correct it. 


The information can be requested online through the relevant agencies website or in writing at the below addresses. 


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


For written requests, send a cheque for £2.00 payable to the relevant agency along with the details of all addresses at which you have lived over the last 6 years. 

If my application is not successful, can I reapply?

Yes, we acknowledge that circumstances change and just because one of our lenders  has refused a previous application, it does not mean they will automatically turn down a further request. We do suggest that at least 6 months are left between applications.

How much will my monthly hot tub finance repayments be?

Your monthly finance payments will depend on the amount you would like to borrow and the length of time for repayments. 


For an initial quote, use our finance calculator or speak to our sales team once you have selected your hot tub. Before you sign the finance agreement, you will be given the chance to look through the confirmed payment schedule along with the terms and conditions to ensure you are happy with it before you sign. Prior to signing there is no obligation to take up the credit offer and you will have a 14 day cooling off period once the agreement is signed.

Do you charge any fees?

Blue Whale Spa does not charge any fees for arranging the finance and as the offer will be for a 0% APR loan, there will be no interest payable. 


There are optional additional services and products which come with an additional charge. However, all of our products and hot tubs are the same price whether you choose to take up the finance option or to pay outright.

I don’t have a large initial deposit. Can I still have a hot tub on finance?

We offer initial deposits from £99 so 0% APR finance is available without a large initial deposit. As we offer long payment periods, this keeps monthly payments lower to increase affordability.

Can I request delivery to an address other than my home?

To protect ourselves and our customers from fraud, we will only deliver hot tubs purchased on finance, to the home address listed on the finance application. 


If you are considering a hot tub purchase for a second home or alternative address, call and discuss the options with the Sales Team on 0115 954 88 88 before making the order.

What happens if I want to repay earlier?

If you would like to repay your loan before the scheduled date; simply contact your lender directly and they will arrange the final payment. Your lender’s contact details will be on the credit agreement. They may charge a small admin fee which will also be detailed on the credit agreement.

I would prefer to talk through this with someone on the phone?

Our friendly Sales Team is available on 0115 954 8888 and will be happy to help with any queries around finance or any other aspect of your order.