• Spas & Hot Tubs (BNPL) Finance
    In association with LUST INTERIORS LTD T/A LUST HOME AND OUTDOOR LIVING

Your installer, Lust Interiors Ltd t/a Lust Home and Outdoor Living, is able to offer a 'Buy Now, Pay Later' scheme from Phoenix Financial Consultants Limited ("Phoenix") on their spas & hot tubs quotes. Note that your installer is not permitted to provide or discuss any finance options directly with you.

The loan calculator below allows you to see example monthly repayment and total amount repayable values. You can enter the amount and term as well as a deposit to display example repayments.

BNPL Loan Calculator - spas & hot tubs


At or before the end of the deferment period, you can choose to either pay back the amount borrowed to clear the loan with 0% interest fees, or to continue with with the loan as outlined below.
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Borrowing more than you can afford or paying late may adversely affect your financial status and ability to obtain credit.
Go to the Lust Interiors Ltd t/a Lust Home and Outdoor Living website

Key features of the loan

  • Phoenix acts as a credit broker (it is not a lender) and can introduce you to a loan for the cost of your spas & hot tubs (bnpl) from a panel of lenders.
  • Loan terms available from 5 years.
  • Interest rates available from 10.90% APR Representative. You may be offered a higher interest rate depending on your financial circumstances
  • You can pay a deposit if you wish (directly to the trader) or apply to borrow the entire amount.
  • At or before the end of the deferment period, you can choose to either pay back the amount borrowed to clear the loan with 0% interest fees, or to continue with with the loan as outlined below.
  • Overpayments and early repayments can be made at any time. If you make overpayments, you will avoid future interest, and the length of the loan will be reduced.
  • You will need to decide if the loan is right for you. Neither Phoenix nor your installer can give you any financial advice.
  • Loan approval is not guaranteed and you will need to complete a short online loan application which will assess your financial circumstances and your ability to repay any loan. The lender will perform a hard search on your credit file.
  • Further information is available under our FAQ section.

Next steps

Contact your installer, Lust Interiors Ltd t/a Lust Home and Outdoor Living, to request a quote for the work you want.

Phoenix will then send you an email which will include a link to our website, where you can view your customised quotation. This link will provide full details of your quotation from Lust Interiors Ltd t/a Lust Home and Outdoor Living, and will offer further information about your payment & finance options. Should you wish, you can then proceed to complete a finance application from there.

If your application is approved, once you sign the loan agreement, your installer will be notified and will arrange an installation date to suit you. Your first loan repayment will typically be taken via Direct Debit one month after work is complete.

Further Information

Lust Interiors Ltd t/a Lust Home and Outdoor Living is an Introducer Appointed Representative (Financial Services Register No. 1051032) of Phoenix Financial Consultants Limited (Phoenix). Phoenix is a credit broker, not a lender. Phoenix is authorised and regulated by the Financial Conduct Authority (FRN: 539195), and offers finance from its panel of lenders. All finance subject to status and credit checks.