Finance
Flexible finance options through Humm90, Afterpay and Zip.
Spread the cost in a way that suits you
A spa, swim spa, sauna or ice bath is a long-term investment in your home and wellbeing. Many of our customers prefer to spread the cost rather than pay upfront. We’ve teamed up with three trusted Australian providers — Humm90, Afterpay and Zip — so you can choose the option that suits your budget and timeline.
Our finance partners
Humm90
Longer-term finance for larger purchases. A popular choice for spas and swim spas where customers want to spread payments over a longer window.
Afterpay
Buy now, pay in instalments. A familiar, easy option for accessories, covers, steps and smaller orders.
Zip
Flexible Pay-in-4 or longer plans, with decisions typically in minutes — useful when you want to lock in your spa right away.
Each provider has its own terms, fees and approval criteria. We’ll help you compare options and choose what fits.
How it works
1. Get your quote
Tell us the model you’re after and your postcode. We’ll send a clear, all-in price including delivery.
2. Pick your finance option
Choose Humm90, Afterpay or Zip based on the option that best suits your budget and preferred timeline.
3. Apply & checkout
Complete your provider’s short application. Many approvals come back in minutes, and we’ll dispatch your order once everything’s confirmed.
Eligibility & responsible borrowing
Each finance provider sets its own eligibility criteria, but in general you’ll need to:
- Be at least 18 years old.
- Be an Australian resident with a valid form of ID.
- Have a regular income and a current Australian bank account or card.
- Pass the provider’s standard credit assessment.
Please borrow responsibly. Only commit to repayments you’re comfortable with over the full repayment period, and check each provider’s terms, fees and charges before applying.
Finance FAQs
Which finance option is best for a spa?
It depends on the price of your spa and how long you’d like to spread repayments. Humm90 is typically the best fit for larger purchases like full spas and swim spas. Afterpay and Zip are well suited to accessories and shorter repayment windows. We’re happy to talk it through with you.
How long does approval take?
Most providers give a decision within minutes once you’ve completed their short application. Exact timing depends on the provider and the information you supply.
Are there interest charges or fees?
Each provider has its own fee and interest structure. Some Afterpay and Zip plans are interest-free for on-time repayments; Humm90 longer-term finance may carry interest depending on the plan. Check the provider’s terms before you apply.
What other payment methods do you accept?
We accept major credit and debit cards and bank transfer in addition to our finance partners. Tell us how you’d like to pay when you accept your quote.
Can a business finance a Just Spas spa?
For commercial installs (clinics, gyms, holiday rentals, etc.) we can discuss options that suit business buyers. Get in touch and let us know your situation.
Ready to take the next step?
Get a personalised, no-obligation quote and we’ll walk you through your finance options.