Recovery Equipment Financing

Financing runs through Shop Pay Installments, powered by Affirm, built directly into checkout. At the payment step, select Shop Pay — you’ll see your personalized options instantly, 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.

Yes, in many cases. Affirm considers your full financial profile, not just your credit score. Buyers with lower scores may qualify for shorter terms (3–6 months) or at a higher APR. If you’re not approved for a monthly plan, Shop Pay’s Pay-in-4 option — available on orders under $1,000 — runs through a separate approval that is often more accessible. Call us at (888) 500-5675 before applying if you’d like guidance.

Affirm doesn’t publish a hard minimum. Approval is more likely around 580–600 for shorter terms and 640+ for longer plans. Affirm uses holistic underwriting — your income, existing debt load, repayment history, and the purchase amount all factor into the decision. The only reliable way to know is to check at checkout: it’s a soft pull that won’t affect your score.

Checking your rate does not affect your credit score — Affirm uses a soft inquiry for the eligibility check. If you accept a loan offer, Affirm may conduct a hard inquiry depending on the loan amount and term; this is disclosed clearly before you confirm. Active monthly installment loans are reported to Experian and TransUnion as tradelines. On-time payments may help build your credit history.

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.

At 0% APR as a reference point: a $16,999 massage chair over 24 months is $708/month. A $1,999 sauna over 12 months is $167/month. A $2,899 cold plunge over 12 months is $242/month. Your exact payment is shown at checkout before you confirm — no commitment required to check your rate.

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 or Affirm account at any time to make an early payment or pay the full remaining balance.

Yes — when Affirm approves you at 0% APR, zero interest accrues. This is true simple interest, fundamentally different from deferred interest. At 0% APR, your total cost equals the purchase price. No late fees, no prepayment penalties, no deadline traps.

If you change your mind within our 30-day return window, you may return your order subject to our standard return policy (a 20% restocking fee may apply on opened items). Your refund is applied to reduce your outstanding Affirm 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.