Financing Your Walk-In Tub: How to Apply and What to Expect

Yes, walk-in tub financing is available for Ella's Bubbles tubs, and applying is simple. The current financing partners are listed at ellasbubbles.com/financing/, where you can apply directly and, in most cases, receive a rate decision in seconds. If you would rather not apply online, your Ella dealer or the team at (800) 480-6850 will gladly walk through the application with you. Approval, rates and terms always come from the lender, never from Ella's Bubbles, so this article explains how the process works and what to expect rather than promising a particular outcome.

How to Apply

1. Decide on the tub first. A written proposal for the exact model, therapy package, options and delivery address gives you the figure to finance; the article on proposals and order confirmations explains what to have ready.
2. Visit ellasbubbles.com/financing/ and review the partners listed there.
3. Choose the partner that best fits your situation and follow its apply link to receive your rate.
4. Prefer a helping hand? Call (800) 480-6850 and the team can submit the application for you.
5. Once you have your financing decision, your Ella dealer or the team applies the approved financing to your order and confirms the details with you.

Current Financing Partners

The financing page currently offers four options. Partner lineups can change over time, so please treat the live page as the up-to-date list.

• Mobility Trust. A mission-driven finance company focused on accessibility products and modifications. Mobility Trust reviews your complete profile rather than credit scores alone, starts with a soft credit pull, and offers unsecured installment loans with fixed rates and terms.
• Synchrony. Custom rates starting at 0% APR and up. Synchrony performs a soft credit check that does not affect your credit score and is not visible to other lenders.
• Klarna. Flexible financing with rates starting at 0% APR and an instant credit decision, offered in partnership with WebBank. Klarna also uses a soft credit check that does not affect your credit score.
• PayPal Pay in 4. Four interest-free payments at 0% APR, with no impact to your credit score.

What "0%+ APR" Means

When you see "0%+ APR," it means rates start at 0% and go up from there. The rate you are actually offered depends on the lender's review of your application. Ella's Bubbles does not set rates, approve applications, or make credit decisions. All approvals, rates and terms come directly from the financing partner, so nobody at Ella's Bubbles can promise a particular rate or a particular result, but the team can absolutely help you apply and answer questions along the way.

What to Expect After You Apply

• The lender reviews your application and provides a decision, in most cases within seconds of applying online.
• If approved, the lender presents your rate and payment terms. Take your time reviewing them, and feel free to compare more than one partner.
• When you are ready, your Ella dealer or the team applies the approved financing to your order and confirms the details with you.
• Your order then follows the normal path: production in Chicago, a shipment confirmation with tracking, and freight delivery. The article on what happens after you order walks through each step.

Questions to Ask Before You Buy

Watch: "Must Ask" Questions Before Buying A Walk-In Tub with chapters and a full transcript.

This short video lists the questions worth asking any walk-in tub company before you commit: whether the tub is designed, assembled and tested in the USA, whether you can choose your own installer, how fast the tub fills and drains, whether the warranty covers all components for life, and what the total cost includes. It also explains that Ella's Bubbles does not run in-home sales visits and lets you choose your own installer or suggests one from its national network, which keeps the amount you finance to the tub and shipping rather than a bundled package. For the cost side of that conversation, see what goes into the cost of a walk-in tub.

Other Ways to Make a Tub Affordable

• Veteran and senior recognition. Any recognition is applied to your specific order at the time of purchase and can change, so mention your status to your Ella dealer or the team. Details are in the article on veteran and senior discounts, promotions and the price match guarantee.
• Insurance, Medicare and VA programs. Ella's Bubbles does not bill insurers or government programs, but some customers obtain partial reimbursement or grant assistance on their own. See will Medicare, insurance or the VA pay for my walk-in tub.
• Clearance and warehouse tubs. Individual units sold as configured, described in the article on clearance and warehouse tubs.

Related Guides

• Deposits and Partial Payments on a Walk-In Tub Order
• Is There a Fee for Paying by Credit Card on a Walk-In Tub Order?
• Paying for Your Order by Check or Wire Transfer
• Paying by Credit Card Over the Phone and How Your Card Details Are Protected
• Can I Order a Walk-In Tub Before My Funds Are Available?

Common Questions

For any question about your options, or to have the team submit the application for you, call (800) 480-6850 or open a ticket at ellasbubbles.com/support.