At Cal Spas of Minnesota, we believe everyone deserves to experience the comfort, relaxation, and health benefits of owning a hot tub. We make it simple to bring your dream spa home with flexible, affordable hot tub financing options through the Wells Fargo Outdoor Solutions Credit Card.
Why Finance Your Hot Tub?
Buying a hot tub is an investment in your home and both your physical and mental health. Financing gives you the freedom to start soaking sooner without waiting or compromising on the model you want.
Key Benefits of hot tub Financing:
- Low monthly payments that fit your budget
- Quick, secure online application with fast credit decisions
- Special financing offers for qualified purchases, including no-interest hot tub financing promotions (with approved credit)
- Revolving line of credit — reuse it for future outdoor-living upgrades
- Flexible payment plans managed through Wells Fargo Retail Services
About the Wells Fargo Outdoor Solutions Program
The Wells Fargo Outdoor Solutions Credit Card is a trusted financing program designed for outdoor-living and home-improvement purchases. This includes pools, hot tubs, swim spas, gazebos, patios, and more.
When you apply and are approved, you’ll receive a revolving line of credit that functions like a credit card. You can make purchases, pay down your balance, and reuse the credit again for future upgrades.
How It Works:
- Apply online through Wells Fargo Bank
- Receive a credit decision quickly (most within minutes).
- Use your approved line of credit at Cal Spas of Minnesota.
- Enjoy your new hot tub while making manageable monthly payments.
- Manage your account and payments easily online at retailservices.wellsfargo.com.
Flexible Hot Tub Payment Plans
Your financing terms depend on your purchase total and the promotional offers available at the time.
Many promotions can include:
- Equal monthly payments to pay off your spa in a set period
- No interest if paid in full within the promotional term
- Low-interest or extended-term options for larger purchases
Every Cal Spas purchase includes transparent terms and personalized support from our team to ensure your plan fits your lifestyle and budget.
Is Hot Tub Financing Right for Me?
If you’re ready to invest in wellness but prefer to spread out payments, financing is an excellent choice. Most Minnesota homeowners qualify with standard credit approval. Even if you’re unsure about eligibility, applying is quick and risk-free.
Financing is perfect for:
- First-time buyers wanting to manage costs
- Families upgrading to a larger spa or swim spa
- Homeowners improving outdoor spaces with Cal Spas products
- Anyone looking for low-interest, low-stress payment options
What Can I Finance with the Outdoor Solutions Credit Card?
The Wells Fargo Outdoor Solutions Credit Card can be used for a variety of outdoor-living purchases made through participating merchants like Cal Spas of Minnesota:
- Hot tubs and Cal Spas collections
- Swim spas and fitness spas
- Outdoor living upgrades like gazebos and spa enclosures
- Accessories, lifts, steps, and maintenance packages
The card is not a one-time loan, and you can use your credit again for future outdoor improvements.
Common Concerns & Questions About Hot Tub Financing
We know customers often have questions about credit, payments, and eligibility. Here’s what you should know before applying.
Is it hard to finance a hot tub?
Not at all. The Wells Fargo Outdoor Solutions application is simple and secure. Most customers receive an instant decision and can start shopping the same day.
How much is a monthly payment on a hot tub?
Monthly payments vary depending on your purchase total, promotional terms, and approved credit. Many customers find payments as manageable as a typical utility bill.
Can you get a hot tub on finance?
Yes! Cal Spas of Minnesota offers hot tubs with financing through Wells Fargo so you can enjoy premium comfort now and pay over time.
What credit score do I need to finance a hot tub?
Approval is based on creditworthiness, but Wells Fargo considers a range of applicants. Even if you’re unsure about your credit, it’s worth applying.
How many years can you finance a hot tub?
Financing terms depend on promotional offers and purchase size. Options typically range from 12 to 60 months, with special promotions for qualifying purchases.
Does hot tub financing require a down payment?
In most cases, no down payment is required. Your approved credit line covers the purchase. You begin making monthly payments according to your promotional terms.
Is there a penalty for paying off my hot tub early?
Generally, no. The Wells Fargo Outdoor Solutions Credit Card allows you to pay down your balance early without prepayment penalties, helping you save on interest when applicable.
Why Buy from Cal Spas of Minnesota
Choosing Cal Spas means you’re working with Minnesota’s trusted spa experts, offering world-class products and expert service since 1992.
Our Cal Spas Promise:
- Transparent financing and pricing
- Friendly, knowledgeable team ready to help
- Premium spas built for Minnesota’s four-season climate
- Convenient locations in Plymouth and Woodbury
Ready to Finance Your Hot Tub?
Relaxation is closer than you think.
With our Cal Spas hot tub financing options, you can enjoy the spa you’ve always wanted with flexible terms, low payments, and support every step of the way.