RestTone / Helpful details

Financing

Shop Pay Installments

Pay monthly for up to 12 months with Shop Pay.

Choose your sauna or cold plunge, then see your payment options at checkout. Review your rate, payment schedule and any down payment before deciding how to pay.

Spread eligible purchases over 3–12 months. Choose your plan at checkout, subject to eligibility. You can also pay in full.

How it works

  1. Choose your sauna or cold plunge. Add your preferred model to your cart.
  2. Select Shop Pay at checkout, then installments. Sign in to Shop Pay and view the options available for your purchase.
  3. Choose a plan that works for you. Check the APR, payment schedule, any down payment and total repayment cost before accepting.

A few things to know

Who can use Shop Pay Installments?

Eligible U.S. customers can apply through their Shop Pay account. Approval is decided for each purchase; having an account does not guarantee a payment plan. Your address, payment method and order must meet the Shop Pay Installments requirements.

How long can I spread the payments?

Eligible purchases can be spread over 3–12 months at 6–36% APR. Choose Shop Pay at checkout to see the plans available to you. Review the payment dates and full repayment amount before accepting. Not every customer or purchase qualifies for every term.

Will every plan be interest-free?

No. Our monthly plans have rates of 6–36% APR. Eligible smaller purchases may qualify for 2 or 4 biweekly payments at 0% APR. This is a separate short-term option, not an interest-free monthly offer for a sauna or cold plunge. Check the rate and total cost shown for your order before choosing a plan.

Will I need a down payment?

A down payment may be required. If so, the amount appears before you accept your plan.

Are there late fees or a penalty for paying early?

Shop Pay Installments does not charge late fees or prepayment penalties. You still need to make your agreed payments. You can view and manage your installment order in the Shop app.

Will using installments affect my credit?

Review the credit information shown during your application before accepting a plan. Credit reporting can depend on the type of loan. Affirm, which provides and services Shop Pay Installments, can answer questions about your particular account.

What happens if I return my order?

Our return policy still applies. Arrange an eligible return with RestTone first. After the refund is processed, your installment balance is adjusted. Keep making scheduled payments until your plan is updated. Interest already paid is not refunded. See payment and refund guidance.

Could payments start before delivery?

Yes. With a backorder or longer lead time, payments may fall due before your product arrives. Compare the estimated delivery window with the payment schedule before ordering.

For questions about your installment account or payments, visit Shop Pay Installments support. Shop Pay Installments is powered and serviced by Affirm. For product, delivery or return questions, contact RestTone or call +1 (251) 360-3232.

Financing details

Example only: an $800 purchase could be approximately $72.21 per month for 12 months at 15% APR, with $866.48 total repayment. This is not a payment quote for a sauna or cold plunge. Your offer is shown at checkout; eligibility and any required down payment apply.

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.

The offer shown at checkout governs your payment plan. RestTone cannot guarantee approval or a particular repayment option.