Recovery Equipment Financing
Finance Your Recovery Room
Pay Monthly at Checkout
Recovery equipment financing through Shop Pay Installments lets you bring home a sauna, cold plunge, massage chair, or hyperbaric chamber and split the cost into flexible payments. You see your exact payment options at checkout before you commit.
Buying for a business? See volume pricing ↓
Flexible Financing Built Into Checkout
Shop Pay Installments is not a separate loan application or a store credit card. It is built directly into the standard Shopify checkout — select it at the payment step to see your personalized options. Two plan types cover the full range of our catalog.
- Simple interest, with no deferred interest charges
- No late fees on any plan
- No prepayment penalty — pay off early, interest stops
- Manufacturer's warranty unaffected by financing
- Authorized dealer for every brand we carry
Two Plan Types, and Your Order Total Decides Which
The split is set by price, not by preference. Orders from $50 to $999.99 are the ones that get interest-free Pay in 4. Equipment above $1,000 goes onto a monthly plan that carries interest, so the figures further down are the ones that matter for most of what we sell.
4 Biweekly Payments
Orders $50 – $999.99
- Interest-free, so you repay exactly the purchase price
- 4 equal payments, every two weeks
- First payment due at checkout or two weeks later, based on your approval
- No late fees, no penalties
Select Shop Pay at checkout — eligible orders see Pay in 4 offered at checkout
Monthly Payments
Orders $1,000 – $30,000
- Currently 15% APR on this store, confirmed for you at checkout
- Fixed payment — never changes after you confirm
- No late fees on any plan
See your exact rate and terms at checkout before committing
What Does Recovery Equipment Cost Per Month?
Worked examples at the 15% APR currently offered on this store. Most orders ship free, so what you see is what you pay, spread out.
Example — larger purchase
Illustrative example $12,000 Example amount, before any shipping costExample: $12,000 over 12 payments of $1,083.10 at 15% APR. Total repaid $12,997.20, of which $997.20 is interest. Subject to eligibility.
Example — smaller purchase
Illustrative example $2,400 Example amount, before any shipping costExample: $2,400 over 12 payments of $216.62 at 15% APR. Total repaid $2,599.44, of which $199.44 is interest. Subject to eligibility.
Example — mid-size purchase
Illustrative example $4,800 Example amount, before any shipping costExample: $4,800 over 12 payments of $433.24 at 15% APR. Total repaid $5,198.88, of which $398.88 is interest. Subject to eligibility.
HSA or FSA Funds May Apply
Certain recovery equipment may qualify as an HSA/FSA-eligible expense with a Letter of Medical Necessity (LMN) from your doctor. Many plan administrators accept LMNs for musculoskeletal conditions, chronic pain, and physician-directed recovery protocols, though eligibility varies by plan.
Financing through Shop Pay and HSA/FSA reimbursement are fully independent — and stackable. LMN approvals are typically not retroactive after purchase — confirm eligibility with your plan administrator before ordering.
Speak with an Expert — (888) 500-5675Check Your Rate in 3 Steps — Takes Less Than 60 Seconds
No bank appointment. No paperwork. Everything happens inside the checkout you already know.
Browse and See Your Monthly Number
Every eligible product shows an estimated monthly payment right under the price. Tap it to see the payment options for that piece of equipment.
Choose Shop Pay at Checkout
Select Shop Pay when you’re ready. You see your personalized options after an eligibility check, with no commitment until you confirm.
Pick Your Term and We Ship
You’ll see a clear breakdown: total cost, exact payment dates, and any APR. Choose the term that fits your life. Your order ships immediately. Your payment locks in and never changes. Pay early any time — interest stops that day.
Buying for Your Business
Shop Pay Installments cannot be used for business-to-business purchases, so it is not a commercial financing product. We do not currently offer a separate commercial financing program. What we do offer business buyers is volume pricing on multi-unit orders and equipment that may qualify for a Section 179 deduction. Tell our commercial team what you are building and we will price it.
The Math That Changes the Conversation
Example is illustrative only. Actual revenue and payback periods vary by business model, pricing, and utilization.
Financing Questions Answered
Everything you need to know before you check out. If something isn’t covered here, our team picks up the phone.
How does recovery equipment financing work?
Financing runs through Shop Pay Installments, built directly into checkout. At the payment step, select Shop Pay — you’ll see your personalized options, including term lengths and exact monthly amounts. Pick the term that works, confirm, and your order ships immediately. No separate application, no bank visit, no paperwork. Your product warranty is completely independent of your financing choice.
Can I finance recovery equipment with bad credit?
Possibly. The eligibility check at checkout looks at your wider financial profile, not only your credit score. If you’re not approved for a monthly plan, Shop Pay’s Pay-in-4 option, available on orders from $50 to $999.99, has its own eligibility check at checkout. Call us at (888) 500-5675 before applying if you’d like guidance.
What credit score do I need for financing?
The lending partners do not publish a minimum credit score. Your income, existing debt load, repayment history and the purchase amount can all factor into the decision. The only reliable way to know is to check your options at checkout.
Does financing affect my credit score?
Creating a Shop Pay Installments account does not affect your credit score. If you buy with a payment plan, the loan and your payment history may affect your credit: pay-over-time loans, including Pay in 4 and monthly installments, are reported to Experian and TransUnion. On-time payments may help build your credit history over time.
Can I use HSA or FSA funds for recovery equipment?
Potentially yes, with proper documentation. Certain recovery equipment may qualify as an HSA/FSA-eligible expense when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider documenting that the equipment is medically indicated for your condition. Eligibility varies by plan administrator. LMN approvals are typically not retroactive after purchase — confirm with your administrator before ordering. Call us at (888) 500-5675 for guidance.
How much is recovery equipment per month with financing?
At the 15% APR currently offered on this store: $12,000 over 12 months is $1,083.10/month. $4,800 over 12 months is $433.24/month. $2,400 over 12 months is $216.62/month. Orders from $50 to $999.99 can instead split into four interest-free payments. Your exact payment is shown at checkout before you confirm — no commitment required to check your rate.
Examples at 15% APR over 12 months: $12,000 repays $12,997.20; $4,800 repays $5,198.88; $2,400 repays $2,599.44. Subject to eligibility.Can I pay off my financing early without a penalty?
Yes — there is no prepayment penalty on any Shop Pay Installments plan. If you’re on an interest-bearing plan, paying early stops interest from accruing on the remaining months. Log in to your Shop Pay account at any time to make an early payment or pay the full remaining balance.
Is the interest-free option really free, and what does the monthly plan cost?
Yes, on the plan that carries it. Orders between $50 and $999.99 split into four interest-free payments, and you repay exactly the purchase price. Equipment over $1,000 goes onto a monthly plan, and that plan is not interest-free: it is currently 15% APR, so a $4,800 order repaid over 12 months costs $5,198.88 in total. Either way, Shop Pay Installments plans use simple interest on the balance you still owe, never deferred interest that back-dates the whole APR if you miss a deadline. No late fees, no prepayment penalties, no deadline traps.
What if I want to return a product I’ve financed?
If you change your mind, you may return your order subject to the return terms for that brand, which vary and may include a restocking fee. Your refund is applied to reduce your outstanding loan balance. If the refund is less than your remaining balance, you remain responsible for the difference. Call us at (888) 500-5675 before initiating any return on a financed order.
Does Recovery Room Direct offer business or commercial equipment financing?
Not at the moment. Shop Pay Installments cannot be used for business-to-business purchases, so it is not a commercial financing product. What we do offer business buyers is volume pricing on multi-unit orders and equipment that may qualify for a Section 179 deduction. Call our commercial team on (888) 500-5675 or request a commercial quote and we will price your build. If we add a commercial financing option, it will be listed on this page.
Can I finance a purchase over the Shop Pay Installments limit?
Not through us at the moment. Shop Pay Installments covers orders up to $30,000, and some orders require a down payment at checkout. Above $30,000 it is not offered, and we do not currently have a second financing provider to pass larger orders to. On a purchase that size, call us on (888) 500-5675 or request a commercial quote, and we will go through volume pricing with you.
Ready to Check Your Rate?
No separate application. Your exact payment options appear at checkout. Or call us and we’ll walk you through every plan before you commit.
Questions? Email sales@recoveryroomdirect.com
Shop Pay Installments (personal): Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses. Monthly plans are currently offered at 15% APR; orders between $50 and $999.99 may instead be split into four interest-free payments. Pay-over-time loans, including Pay in 4 and monthly installments, are reported to Experian and TransUnion. General: Recovery Room Direct is not a lender and does not determine financing eligibility or rates. Free shipping applies to most orders within the 48 contiguous United States. Some brands, including BioLight, are quoted at checkout. HSA/FSA eligibility varies by plan administrator and requires a Letter of Medical Necessity from a licensed healthcare provider; LMN approvals are not retroactive at most institutions — confirm before ordering. Recovery equipment is intended for general wellness and recovery support, not to diagnose, treat, cure, or prevent any medical condition; consult your healthcare provider. Section 179 deduction eligibility is subject to IRS regulations; consult your tax professional.