Health, Sauna & Mobility: Pay Later and Financing at 86 Stores

Home saunas, cold plunges, mobility scooters and wellness devices often cost thousands. These stores let you pay over time.

  • 86 stores confirmed
  • 4 with a 0% APR offer
  • Checked Nov 14, 2026

Stores where you can pay over time

Each store was checked on its own website. Pick a store for its terms, a payment example and when we checked.

Pay with HSA/FSA

37 of these stores take HSA and FSA money through services such as Truemed and Flex. At checkout you answer a short health survey, and if a licensed clinician decides the item is medically necessary for you, you get a letter of medical necessity and pay with your HSA or FSA card.

Paying with pre-tax money saves the tax you would have paid on it. Your HSA or FSA plan can still refuse the claim, even with a letter, so check your plan's rules first. All HSA and FSA stores · How Truemed works

All stores 94 stores

  • Abunda

    Both

    Department stores & marketplaces

    Sells millions of products, including items from Amazon, with pay-later plans at checkout.

    Cash App Afterpay · PayPal Pay Later · Acima

    Checked Nov 10, 2026

    Visit Abunda
  • Alen

    Pay later

    Health & recovery

    Air purifiers and replacement filters for homes and offices, including the BreatheSmart line.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Alen
  • Amazon

    Pay later

    Department stores & marketplaces

    The largest US online marketplace, selling nearly everything from electronics and home goods to groceries, with fast Prime shipping.

    Affirm · Synchrony Pay Later · Amazon Monthly Payments +1HSA/FSA

    Checked Nov 14, 2026

    Visit Amazon
  • Health & recovery

    Sells affordable over-the-counter hearing aids and hearing accessories direct to consumers.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Audien Hearing
  • Health & recovery

    Sells foldable electric mobility scooters and power wheelchairs.

    Shop Pay Installments · Katapult

    Checked Nov 11, 2026

    Visit Bangeran
  • Health & recovery

    Sells Ayurvedic herbs, supplements, oils and wellness products.

    Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 11, 2026

    Visit Banyan Botanicals
  • BariatricPal

    Pay later

    Health & recovery

    Sells protein bars, shakes, snacks and supplements for bariatric and GLP-1 diets.

    Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 11, 2026

    Visit BariatricPal
  • Beam

    Pay later

    Health & recovery

    Sells functional wellness powders for sleep, energy and recovery.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Beam
  • Bebird

    Pay later

    Health & recovery

    Sells visual ear cleaning tools and ear care devices.

    Klarna · Cash App Afterpay · SezzleHSA/FSA

    Checked Nov 11, 2026

    Visit Bebird
  • Health & recovery

    Sells pre-workouts, vitamins and sports supplements.

    Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Best Price Nutrition
  • Beurer

    Pay later

    Health & recovery

    Sells blood pressure monitors, TENS units, massagers and other health devices.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Beurer
  • Health & recovery

    Sells greens powders, energy drinks and supplements for women.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Bloom Nutrition
  • Health & recovery

    Online sports nutrition store selling protein, pre-workout, supplements and fitness gear.

    Klarna

    Checked Nov 10, 2026

    Visit Bodybuilding.com
  • Bon Charge

    Pay later

    Health & recovery

    Sells wellness products including red light therapy devices, infrared sauna blankets and blue-light glasses.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Bon Charge
  • Brookstone

    Pay later

    Health & recovery

    Sells massage chairs and devices, personal care gadgets, home goods and gifts.

    Klarna

    Checked Nov 10, 2026

    Visit Brookstone
  • Health & recovery

    Sells bulk supplement powders, vitamins, amino acids and herbal extracts.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit BulkSupplements.com
  • Costco

    Pay later

    Department stores & marketplaces

    Membership warehouse club selling groceries, electronics, appliances, furniture and more in bulk at low prices.

    Affirm

    Checked Nov 10, 2026

    Visit Costco
  • CPAP.com

    Pay later

    Health & recovery

    Online store for CPAP machines, masks, supplies and sleep apnea gear.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit CPAP.com
  • eBay

    Pay later

    Department stores & marketplaces

    Online marketplace for new, used and collectible items, from sneakers and watches to electronics and car parts.

    Klarna

    Checked Nov 10, 2026

    Visit eBay
  • Health & recovery

    Online store for folding electric wheelchairs, mobility scooters and accessories.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 11, 2026

    Visit Electric Wheelchairs USA
  • Etekcity

    Pay later

    Health & recovery

    Sells smart scales, massagers and kitchen scales.

    Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 14, 2026

    Visit Etekcity
  • Health & recovery

    Sells wearable muscle recovery devices.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Firefly Recovery
  • Flora Health

    Pay later

    Health & recovery

    Makes herbal supplements, oils and plant-based wellness products.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Flora Health
  • GHOST

    Pay later

    Health & recovery

    Sells protein, pre-workout and energy supplements and merch.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit GHOST
  • Glov

    Pay later

    Health & recovery

    Sells targeted supplements for women's hair, metabolism and bloating.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Glov
  • GNC

    Pay later

    Health & recovery

    Health and nutrition retailer selling vitamins, protein powder, pre-workout and supplements.

    Klarna

    Checked Nov 10, 2026

    Visit GNC
  • Goli

    Pay later

    Health & recovery

    Sells wellness gummies such as apple cider vinegar, ashwagandha and sleep supplements.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Goli
  • Gorilla Mind

    Pay later

    Health & recovery

    Sells pre-workouts, energy drinks and sports supplements.

    SezzleHSA/FSA

    Checked Nov 11, 2026

    Visit Gorilla Mind
  • Haelo

    Pay later

    Health & recovery

    Sells the HAELO PEMF wellness device, which uses sound-wave frequencies for recovery and performance.

    Bread Pay · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Haelo
  • Health & recovery

    Sells low-EMF infrared, traditional and outdoor home saunas plus red light therapy panels.

    Bread Pay · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Heavenly Heat Saunas
  • Health & recovery

    Colorado maker of infrared saunas for home and professional use.

    Klarna

    Checked Nov 10, 2026

    Visit High Tech Health
  • HigherDOSE

    Pay later

    Health & recovery

    Sells infrared saunas, sauna blankets, red light devices and body care.

    Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 11, 2026

    Visit HigherDOSE
  • Hooga

    Pay later

    Health & recovery

    Red light therapy brand selling panels, masks and wellness devices.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Hooga
  • Human Touch

    Pay later

    Health & recovery

    Maker of massage chairs, foot massagers and zero-gravity recliners.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Human Touch
  • Hyperice

    Pay later

    Health & recovery

    Hyperice makes recovery tech, including Hypervolt massage guns and Normatec compression boots and legs.

    Shop Pay Installments · PayPal Pay LaterHSA/FSA

    Checked Nov 10, 2026

    Visit Hyperice
  • iHerb

    Pay later

    Health & recovery

    Online retailer of vitamins, supplements, natural beauty and grocery products shipping worldwide.

    Klarna

    Checked Nov 10, 2026

    Visit iHerb
  • Inno Supps

    Pay later

    Health & recovery

    Sells natural sports and wellness supplements.

    Klarna · Affirm · Sezzle

    Checked Nov 11, 2026

    Visit Inno Supps
  • Jabra Enhance

    Pay later

    Health & recovery

    Sells Bluetooth hearing aids online with three years of remote support from licensed audiologists.

    Bread Pay

    Checked Nov 13, 2026

    Visit Jabra Enhance
  • Joovv

    Pay later

    Health & recovery

    Sells medical-grade red light therapy panels and devices for home use.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 10, 2026

    Visit Joovv
  • Health & recovery

    Sells folding power chairs, upright rollators, mobility scooters and other mobility aids for seniors.

    Bread Pay · Shop Pay InstallmentsHSA/FSA

  • Health & recovery

    Sells protein powders, pre-workouts and natural sports supplements.

    Sezzle

    Checked Nov 11, 2026

    Visit Legion Athletics
  • MaryRuth's

    Pay later

    Health & recovery

    Sells vegan liquid vitamins, gummies and wellness supplements.

    Shop Pay Installments · SezzleHSA/FSA

    Checked Nov 11, 2026

    Visit MaryRuth's
  • Health & recovery

    Sells luxury massage chairs and recliners from Osaki, Infinity, Luraco and others.

    Affirm · Shop Pay Installments · PayPal Pay Later +2

    Checked Nov 14, 2026

    Visit Massage Chair Planet
  • Health & recovery

    Sells full-body massage chairs.

    Affirm · Shop Pay Installments · Katapult

    Checked Nov 10, 2026

    Visit Massage Chairs Max
  • Health & recovery

    Sells massage tables, chairs, oils and spa equipment for professionals.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit MassageTools.com
  • Health & recovery

    Sells home medical equipment online, including hospital beds, medical mattresses, mobility scooters and lift chairs.

    Splitit · PayTomorrow

    Checked Nov 11, 2026

    Visit Med Mart
  • MFI Medical

    Pay later

    Health & recovery

    Online medical supply store selling exam equipment, mobility aids and home care products.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit MFI Medical
  • Mira

    Pay later

    Health & recovery

    Sells the Mira fertility hormone tracker and test wands.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Mira
  • Health & recovery

    Red light therapy brand selling full-body panels and handheld devices.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Mito Red Light
  • Mobility City

    Lease to own

    Health & recovery

    Sells, rents and repairs mobility scooters, wheelchairs and lift chairs.

    Acima

    Checked Nov 10, 2026

    Visit Mobility City
  • Molekule

    Pay later

    Health & recovery

    Air purifiers with PECO and HEPA filtration plus replacement filters.

    Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 10, 2026

    Visit Molekule
  • Momentous

    Pay later

    Health & recovery

    Momentous sells performance supplements such as creatine, whey and plant protein, sleep and hydration formulas.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Momentous
  • Moon Juice

    Pay later

    Health & recovery

    Makes adaptogenic supplements, powders and skincare.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit Moon Juice
  • Movinglife

    Pay later

    Health & recovery

    Sells lightweight folding mobility scooters designed for travel, with home demos across the US.

    Bread Pay · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Movinglife
  • MV.Health

    Pay later

    Health & recovery

    Sells medical vibration devices for pelvic and sexual health.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit MV.Health
  • Myprotein

    Pay later

    Health & recovery

    Sports nutrition brand selling protein powder, supplements and activewear.

    KlarnaHSA/FSA

    Checked Nov 10, 2026

    Visit Myprotein
  • Health & recovery

    Sells protein powders and workout supplements with minimal ingredients.

    Cash App AfterpayHSA/FSA

    Checked Nov 10, 2026

    Visit Naked Nutrition
  • Olly

    Pay later

    Health & recovery

    Vitamin and supplement brand known for gummy sleep, stress and multivitamin formulas.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Olly
  • Orthofeet

    Pay later

    Health & recovery

    Orthopedic shoes, insoles and socks for foot pain relief.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Orthofeet
  • Osaki

    Pay later

    Health & recovery

    Massage chair brand selling full-body zero-gravity massage chairs.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Osaki
  • Oura Ring

    Pay later

    Health & recovery

    Maker of the Oura smart ring that tracks sleep, activity, heart rate and readiness.

    Klarna · AffirmHSA/FSA

    Checked Nov 10, 2026

    Visit Oura Ring
  • Pair Eyewear

    Pay later

    Health & recovery

    Sells customizable prescription glasses and sunglasses with swappable magnetic top frames.

    Klarna · Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 10, 2026

    Visit Pair Eyewear
  • Peak Saunas

    Pay later

    Health & recovery

    Sells indoor and outdoor infrared saunas with built-in red light therapy.

    Bread Pay

    Checked Nov 9, 2026

    Visit Peak Saunas
  • Perpay

    Pay later

    Department stores & marketplaces

    Marketplace selling electronics, home goods and clothing from brands like Apple and KitchenAid, paid back from your paycheck.

    Perpay

    Checked Nov 13, 2026

    Visit Perpay
  • Plunge

    Pay later

    Health & recovery

    Sells cold plunge tubs, saunas and recovery accessories for homes and businesses.

    Bread Pay

    Checked Nov 9, 2026

    Visit Plunge
  • Health & recovery

    Makes custom removable snap-on veneers and night guards.

    Klarna · Affirm · Shop Pay Installments +2HSA/FSA

    Checked Nov 11, 2026

    Visit Pop On Veneers
  • Health & recovery

    Sells protein powders, bars and natural supplements.

    Zip

    Checked Nov 11, 2026

    Visit Promix Nutrition
  • REathlete

    Pay later

    Health & recovery

    Sells massagers, compression and recovery devices.

    Klarna · Shop Pay Installments · Cash App AfterpayHSA/FSA

    Checked Nov 14, 2026

    Visit REathlete
  • Rehabmart

    Pay later

    Health & recovery

    Online store for mobility, rehab, therapy and home medical equipment.

    Affirm

    Checked Nov 10, 2026

    Visit Rehabmart
  • Reliefband

    Pay later

    Health & recovery

    Sells anti-nausea wristbands for motion sickness and pregnancy.

    Klarna · Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Reliefband
  • Renpho

    Pay later

    Health & recovery

    Sells smart body scales, massagers, eye massagers and LED light therapy masks.

    Klarna · Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Renpho
  • Renu Therapy

    Pay later

    Health & recovery

    Sells cold plunge tubs, ice baths and recovery equipment for indoor or outdoor use.

    Bread Pay · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Renu Therapy
  • Reyhee

    Both

    Health & recovery

    Sells electric mobility scooters and wheelchairs.

    Shop Pay Installments · Katapult

    Checked Nov 10, 2026

    Visit Reyhee
  • RingConn

    Pay later

    Health & recovery

    Sells smart rings for sleep, health and activity tracking.

    Klarna · Cash App AfterpayHSA/FSA

    Checked Nov 10, 2026

    Visit RingConn
  • Saalt

    Pay later

    Health & recovery

    Makes period underwear, menstrual cups and reusable period care.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Saalt
  • Sam's Club

    Pay later

    Department stores & marketplaces

    Walmart's membership warehouse club, selling groceries, electronics, furniture, tires and household goods in bulk.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Sam's Club
  • Sleep Doctor

    Pay later

    Health & recovery

    Sells home sleep tests, CPAP machines, masks and supplies.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Sleep Doctor
  • SNOOZ

    Pay later

    Health & recovery

    Sells white noise machines and sleep products.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit SNOOZ
  • SpinLife

    Pay later

    Health & recovery

    Sells mobility scooters, power wheelchairs, lift chairs, ramps and other home medical equipment.

    Bread Pay

    Checked Nov 9, 2026

    Visit SpinLife
  • Health & recovery

    Sells sports supplements, protein and stacks made in the USA.

    Klarna · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Steel Supplements
  • Health & recovery

    Maker of infrared and traditional home saunas and cold plunges.

    AffirmHSA/FSA

    Checked Nov 10, 2026

    Visit Sun Home Saunas
  • Sunlighten

    Pay later

    Health & recovery

    Sells full-spectrum infrared saunas for home wellness.

    Klarna · Affirm

    Checked Nov 10, 2026

    Visit Sunlighten
  • Target

    Pay later

    Department stores & marketplaces

    Big-box retailer selling household essentials, groceries, clothing, electronics and home décor online and in stores.

    Klarna · Affirm · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Target
  • Taste Salud

    Pay later

    Health & recovery

    Sells hydration and energy drink mixes.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Taste Salud
  • The CPAP Shop

    Pay later

    Health & recovery

    Online store for CPAP machines, masks and sleep apnea supplies.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit The CPAP Shop
  • Health & recovery

    Sells home and commercial saunas, steam rooms and cold plunges from a Tennessee-based store.

    Bread Pay · Shop Pay Installments

    Checked Nov 10, 2026

    Visit The Sauna Place
  • Therabody

    Pay later

    Health & recovery

    Sells Theragun massage guns and recovery, compression and skincare devices.

    Klarna · Cash App AfterpayHSA/FSA

    Checked Nov 10, 2026

    Visit Therabody
  • Therasage

    Pay later

    Health & recovery

    Sells portable infrared saunas, red light therapy devices and wellness products.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Therasage
  • Tiger Fitness

    Pay later

    Health & recovery

    Sells protein powder, pre-workout and vitamins.

    Sezzle

    Checked Nov 11, 2026

    Visit Tiger Fitness
  • Health & recovery

    Sells protein powders, pre-workouts and sports nutrition supplements.

    Sezzle

    Checked Nov 11, 2026

    Visit Transparent Labs
  • Tru Niagen

    Pay later

    Health & recovery

    Sells NAD+ boosting Niagen nicotinamide riboside supplements.

    Shop Pay Installments · SezzleHSA/FSA

    Checked Nov 11, 2026

    Visit Tru Niagen
  • Ultrahuman

    Pay later

    Health & recovery

    Sells the Ultrahuman Ring, a smart ring that tracks sleep, activity and recovery, plus home health devices.

    Klarna · Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Ultrahuman
  • Walmart

    Pay later

    Department stores & marketplaces

    America's largest retailer, selling groceries, electronics, home goods, toys and clothing online and in thousands of stores.

    Klarna

    Checked Nov 10, 2026

    Visit Walmart
  • Withings

    Pay later

    Health & recovery

    Sells smart scales, hybrid smartwatches, blood pressure monitors and health devices.

    Klarna · Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Withings
Showing 24 of 94

Store offers and minimums are from each store’s website, checked Nov 14, 2026. Offers change and depend on your credit, so confirm at checkout. Know a store we missed? Tell us.

Questions about health, sauna & mobility financing

Which health, sauna & mobility stores offer financing?

We have confirmed 86 stores: Alen, Audien Hearing, Bangeran, Banyan Botanicals, BariatricPal, Beam, Bebird, Best Price Nutrition, Beurer, Bloom Nutrition, Bodybuilding.com, Bon Charge, Brookstone, BulkSupplements.com, CPAP.com, Electric Wheelchairs USA, Etekcity, Firefly Recovery, Flora Health, GHOST, Glov, GNC, Goli, Gorilla Mind, Haelo, Heavenly Heat Saunas, High Tech Health, HigherDOSE, Hooga, Human Touch, Hyperice, iHerb, Inno Supps, Jabra Enhance, Joovv, Journey Health & Lifestyle, Legion Athletics, MaryRuth's, Massage Chair Planet, Massage Chairs Max, MassageTools.com, Med Mart, MFI Medical, Mira, Mito Red Light, Mobility City, Molekule, Momentous, Moon Juice, Movinglife, MV.Health, Myprotein, Naked Nutrition, Olly, Orthofeet, Osaki, Oura Ring, Pair Eyewear, Peak Saunas, Plunge, Pop On Veneers, Promix Nutrition, REathlete, Rehabmart, Reliefband, Renpho, Renu Therapy, Reyhee, RingConn, Saalt, Sleep Doctor, SNOOZ, SpinLife, Steel Supplements, Sun Home Saunas, Sunlighten, Taste Salud, The CPAP Shop, The Sauna Place, Therabody, Therasage, Tiger Fitness, Transparent Labs, Tru Niagen, Ultrahuman, Withings. Each one was checked on the store's own website.

Which health, sauna & mobility stores offer 0% APR?

These stores mention a 0% APR offer on their websites: Heavenly Heat Saunas, Journey Health & Lifestyle, Peak Saunas, Plunge. Whether you get 0% depends on your credit and the plan.

What is the lowest minimum purchase?

Among stores that list a minimum, the lowest are iHerb ($35), Heavenly Heat Saunas ($50), Journey Health & Lifestyle ($50). Many stores accept financing from about $50.

Does checking my rate affect my credit score?

Checking your rate or choosing a short pay-in-4 plan usually means a soft check, which does not affect your score. Longer monthly financing can need a full credit check, and loans may be reported to credit bureaus. Each store page shows the terms for the options it offers.

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money