How it Works
At Harbor, we seek to provide solutions at every touchpoint of the sauna purchase experience, making it easier for you to visualize getting one of our saunas for your home or professional project. Take advantage of the flexible financing options we offer through our partner, Hearth.
Whether you're planning a home project or designing a hospitality space, financing makes it easier to integrate your sauna and maintain your budget. There's no credit impact to explore options, no prepayment penalties, and you can receive funding in as little as 1–3 days.
Explore our simple financing process below, part of our commitment to providing approachability every step of the way.
01
Design Your Sauna
Before exploring the financing options available, it is helpful to understand the total cost of your sauna build, including any additional shipping or taxes. This can be calculated by designing your sauna on our product pages and navigating to checkout.
For custom projects, our team is able to provide a full quote for you to have on hand.
Have an idea if you want to fully or partially finance based on funds you may or may not have available to apply towards your sauna purchase. You can apply for any loan amount needed.
02
Apply Online
Navigate to our Harbor financing portal to apply for a range of financing options.
03
Explore Financing Plans
Review personalized monthly payment options and select what best fits your needs based on the amount you are looking to secure financing for.
04
Recieve Funds
After approval, funds are deposited and ready for use in as little as 1–3 days.
05
Place Your Order
Place your order directly through Harbor's website. After your order is confirmed, our team will provide a direct ACH payment link to complete payment using the funds received from Hearth.
Why Finance Your Sauna With Harbor?
01
Flexible, Stress-Free Terms
Get personalized monthly payment options without impacting your credit score, no prepayment penalties, and no home equity required. Get your sauna today and pay over time.
02
No Prepayment Penaliites
Pay off your loan at any point with zero penalites, putting you in control from day one.
03
Keep Your Project On Track - Without Compromise
For homeowners getting started with a new design or renovation project, budgets often shift. Financing can help you keep the sauna in the overall plan, even if available budget begins to slip.
04
Keep Cash On Hand
For hospitality groups and short-term rental owners, financing allows you to install a sauna without a large upfront expense - especially if it wasn't built into the budget heading into the year. Let your sauna start working for you immediately and allocate valuable capital towards other critical projects.
05
Immediately Increase ROI
See your ROI in real time by immediately increasing nightly rates and boosting occupancy with a sauna. With a flexible monthly payment, you can see your sauna pay for itself in no time.
Frequently Asked Questions
Interest rates for your loan will vary based on credit score. To calculate your interest rate and monthly payments, navigate to Estimate Monthly Payments within our Hearth Portal and apply for free.
There is no form of equity used when financing through Hearth - the loan is simply between you and the lender.
After your loan is approved, you will receive your funds directly to use your sauna purchase within 1-3 days.
Once you have received your funds and are ready to initiate production on your sauna, navigate through checkout on the Harbor website and place your order. At checkout, you will select if you want to pay in full or with an installment plan.
Our team will then provide a direct ACH payment link to complete your purchase using the account your funds were deposited into.
Yes, you can use your loan from Hearth in a number of ways that best fit your budget and project scope.
For example, if your total sauna cost including tax and shipping was $50,000, but you have $10,000 of your own funds ready to apply to the purchase, you would only need to apply for a $40,000 loan from Hearth.
We offer financing in the United States with the exception of Nevada, Maryland, Vermont, and South Dakota. This limitation is unfortunately due to license requirements specific to each state.
Additionally, international orders are not eligible for financing at this time.
