Financing with O Bee Credit Union
Hot tub and swim spa financing in Tacoma
Get your hot tub or swim spa now and pay over time. Our financing comes from O Bee Credit Union, a local credit union since 1955.
One simple offer
We keep it simple: one lender we trust, and one offer you can see right here.
The full terms sit right under the offer. Read them, then text us any question.
No payments for 90 daysRates from 8.49% APR, on approved credit.
Financing provided by O Bee Credit Union. Washington residents only. Subject to credit approval. Rate depends on credit history, loan amount and term; not all applicants will qualify. Interest accrues during the deferred payment period. Terms up to 10 years.
How it works
From showroom to backyard in four steps
Step 1 of 4
Pick your model
Visit the showroom or text us. We help you choose and give you the exact price.
Step 2 of 4
Apply with O Bee
We walk you through the O Bee Credit Union application, step by step.
Step 3 of 4
Get your answer
O Bee reviews it. Your rate depends on your credit history, the loan amount and the term.
Step 4 of 4
Plan delivery
Once you are approved, we book delivery to your backyard.
Know before you apply
The fine print, in plain English
Financing words can be confusing. Here is what each one means for you.
- APR
- Annual percentage rate. The yearly cost of borrowing, shown as a percentage.
- On approved credit
- Every application is reviewed, and not everyone will qualify.
- Your rate
- It depends on three things: your credit history, how much you borrow, and how long you take to pay.
- The no-payment period
- You make no payments at the start. Interest still builds during that time, so ask us how it changes your total cost.
- The term
- How long you take to pay it back, up to 10 years. A longer term means a smaller monthly payment but more interest overall.
- Who can apply
- Washington residents only. Every application is subject to credit approval.
Know the numbers before you borrow
A hot tub is a long-term buy.
Here are a few local facts that help you plan the monthly cost, not just the payment.
- About what Tacoma Power charges homes per kWh in 2026, plus a $31.30 monthly fee.
- 9.16¢
- Source: Tacoma Public Utilities, 2026 power rates
- Washington's average home power price in July 2026. The U.S. average was 18.31¢.
- 14.71¢
- Source: U.S. Energy Information Administration, Table 5.6.A
- In a federal example on a $20,000 loan, a 6-year term cost about twice the interest of a 3-year term ($3,024 vs $1,498).
- 2x
- Source: Consumer Financial Protection Bureau, comparing loan offers
- The year O Bee Credit Union started, at the Olympia Brewery.
- 1955
- Source: O Bee Credit Union, our history
Meet our lender
O Bee Credit Union: local, member-owned, award-winning
- Started in 1955 by Ted McGill, who worked at the Olympia Brewery
- Not-for-profit and owned by its members
- More than 36,000 members across Washington
- Six branches, including Fern Hill in Tacoma
- Membership is open to anyone in Washington State
Voted best by the community
- One of America's Best Regional Credit UnionsNewsweek, 2 years in a row
- Best in the South Sound 2026The Olympian
- Best in the PNW 2026The Seattle Times
- Best of 2026Showcase Magazine
Awards as listed by O Bee Credit Union on obee.com, October 2026.
Smart buying
Four tips before you finance
- Look at the total cost, not just the monthly payment.
- Ask us about delivery, the base (pad or deck) and electrical work, so your budget covers the whole project.
- Have your ID and income details handy. Lenders usually ask for them.
- Text us your questions before you apply. There is no such thing as a silly question.
Hot TubsModels in every size. Compare jets, seats and insulation in person.Shop Hot Tubs 
Swim SpasSwim and soak all year, in far less space than a pool.Shop Swim Spas Fair questions, straight answers
My power bill will go through the roof.
Power costs less here than in most of the country.
Tacoma Power's 2026 home rate is about 9 cents per kWh, plus a monthly fee.
Your real cost depends on the size, how often you use it, and your cover. Ask us for an estimate on the model you like.
Source: Tacoma Public Utilities, 2026 power ratesThe lowest monthly payment is the best deal.
Not always. A longer loan means a smaller payment, but more interest in total.
Compare the loan amount, the APR, the length and the payment together.
Source: Consumer Financial Protection Bureau, comparing loan offers
Financing questions
Financing
Answered
Short, straight answers. Anything else, text us.
Keep reading
O Bee Credit Union. It is a not-for-profit credit union that has served the South Sound since 1955.
Washington residents. Every application is subject to credit approval.
Every application is reviewed by O Bee.
Your rate depends on your credit history, the loan amount and the term. Not all applicants will qualify.
You make no payments at the start.
Interest still builds during that time. Ask us to show you how that changes your total cost.
Terms go up to 10 years.
A longer term gives you a smaller monthly payment, but you pay more interest overall.
O Bee membership is open to anyone in Washington State.
Ask us how membership works with your loan. We will walk you through it.
Yes. The Fern Hill branch is at 8002 Pacific Ave, Tacoma, WA 98408.
O Bee has six branches in the South Sound.
Yes. Text us or visit the showroom and we will give you the exact price for the model you want.
Text our experts. We will answer your questions and help you apply.
Where these facts come from (4 sources)
- Tacoma Public Utilities, 2026 power rates
- U.S. Energy Information Administration, Table 5.6.A - July 2026
- Consumer Financial Protection Bureau, comparing loan offers
- O Bee Credit Union, our history
Facts checked October 2026. Maker terms change, so we always confirm the current paperwork for your exact model before you buy.
Talk to a person, not a form
Text us. A real person on our team will walk you through the O Bee program and answer every question.