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+1 (319) 206-0818 support@thesaunasupply.com
Mon-Fri: 9 AM - 5 PM EST
Flexible Financing · Powered by Affirm
Bring the heat home now.
Bring the heat home now.
Pay over time.
Your sauna shouldn't have to wait. With Shop Pay Installments, split your purchase from The Sauna Supply into easy payments — from 4 interest-free payments to monthly plans up to 12 months. Quick, secure, and decided in seconds at checkout.
Shop Pay
0% APR options
No hidden fees
No impact to apply*
How it works
Four steps to a warmer home
No long applications and no waiting around. Choose installments right inside checkout.
1
Add to cart
Pick your sauna, heater, or accessories and head to checkout.
2
Choose Shop Pay
Select Shop Pay at checkout and pick "Pay in installments."
3
Pick your plan
See your available plans instantly — 4 payments or monthly up to 12 months.
4
Enjoy it now
We ship your order right away. You pay over time, on autopay.
The Plans
Choose the pace that fits you
The exact plans you're offered are set by Affirm based on your order total and a quick eligibility check. Here's the full range available through Shop Pay Installments.
Most popular
Pay in 4Every 2 weeks · interest-free
- 4 equal payments
- First payment at checkout
- 0% APR — no interest
- Great for smaller orders
0% APR · best for everyday accessories & gear
Short term
3 moMonthly installments
- 3 monthly payments
- Lower total interest
- Pay it off fast
0–36% APR based on eligibility
Balanced
6 moMonthly installments
- 6 monthly payments
- Smaller monthly amount
- Ideal for mid-size saunas
0–36% APR based on eligibility
Lowest monthly
12 moMonthly installments
- 12 monthly payments
- Smallest monthly payment
- Best for premium cabins
0–36% APR based on eligibility
An example
A $600 order, split into 4
Say you grab a heater and accessories totaling $600. With Pay in 4, that's four interest-free payments of $150 — the first today, then one every two weeks. No interest, no fees.
Illustration only. Your actual plans, amounts, and any rate are shown by Affirm at checkout.
Order total$600.00
Today
$150
Wk 2
$150
Wk 4
$150
Wk 6
$150
0% APR · 4 interest-free payments · total paid $600.00
Why pay with Shop Pay
Built to make wellness affordable
No hidden or late fees
What you see is what you pay. Shop Pay Installments never adds surprise charges or late fees.
Instant decision
Find out in seconds at checkout. Applying for Pay in 4 won't affect your credit score.*
Secure & trusted
Backed by Affirm and protected by Shop Pay's encrypted, PCI-compliant checkout.
Finance your whole order
From compact infrared cabins to full traditional setups — split the entire cart, not just one item.
Effortless autopay
Payments run automatically on schedule, with reminders so you're always in the loop.
One simple wallet
Manage every payment in the Shop app — track dates, balances, and methods in one place.
Good to know
Shop Pay Installments FAQ
What plans can I choose from?
You can split eligible orders into 4 interest-free payments made every two weeks, or into monthly installments over 3, 6, or 12 months. Larger orders unlock the longer monthly plans. The plans you're offered depend on your order total and a quick check by Affirm at checkout.
Is there interest or any fees?
Pay in 4 is always 0% APR with no fees. Monthly installment plans may carry interest from 0–36% APR depending on your eligibility — you'll always see the exact rate and total before you confirm. There are never any late fees.
Will this affect my credit score?
Checking your eligibility for Pay in 4 uses a soft check that doesn't affect your credit score. Longer monthly installment loans may involve a credit check by Affirm. Full details are shown before you agree to any plan.
What order amounts qualify?
Shop Pay Installments is generally available for orders from about $50 up to $17,500. Smaller orders typically qualify for Pay in 4, while larger orders unlock the monthly plans. Final eligibility is determined by Affirm.
Who can use Shop Pay Installments?
It's available to eligible customers in the United States paying in USD, who are 18 or older (19 in some states). You'll need a valid debit or credit card and to pass Affirm's eligibility check.
How do I make my payments?
Payments are automatic. The first is due at checkout (for Pay in 4), and the rest run on schedule via the Shop app, where you can view balances, dates, and update your payment method anytime.
Can I finance a full sauna and heater together?
Yes. Shop Pay Installments applies to your full cart total within the eligible range, so you can bundle your cabin, heater, stones, and accessories into a single plan.
Ready when you are
Your sauna is closer than you think
Browse the collection, add what you love, and choose Shop Pay Installments at checkout. Heat now — pay at your pace.
Questions about financing? Email support@thesaunasupply.com
*Payment options through Shop Pay Installments are subject to an eligibility check and are offered by Affirm's lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Actual terms are shown at checkout.
Pay in 4 is a 0% APR installment plan paid every two weeks. Monthly installment plans (3, 6, or 12 months) are available on qualifying larger orders and may include interest. Plan availability and eligibility are determined by Affirm and are subject to change. Shop Pay Installments is currently available to eligible U.S. customers paying in USD.
The Sauna Supply does not lend money, set rates, or make credit decisions, and is not a financial advisor. All financing is provided by Affirm. This page is for general information only — see the terms presented at checkout and Affirm's disclosures for full details.