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

Abunda
BothDepartment 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 laterHealth & 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 laterDepartment 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
Audien Hearing
Pay laterHealth & 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
Bangeran
BothHealth & recovery
Sells foldable electric mobility scooters and power wheelchairs.
Shop Pay Installments · Katapult
Checked Nov 11, 2026
Visit Bangeran
Banyan Botanicals
Pay laterHealth & 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 laterHealth & 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 laterHealth & recovery
Sells functional wellness powders for sleep, energy and recovery.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Beam
Bebird
Pay laterHealth & recovery
Sells visual ear cleaning tools and ear care devices.
Klarna · Cash App Afterpay · SezzleHSA/FSA
Checked Nov 11, 2026
Visit Bebird
Best Price Nutrition
Pay laterHealth & recovery
Sells pre-workouts, vitamins and sports supplements.
Cash App Afterpay · Sezzle
Checked Nov 11, 2026
Visit Best Price Nutrition
Beurer
Pay laterHealth & recovery
Sells blood pressure monitors, TENS units, massagers and other health devices.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Beurer
Bloom Nutrition
Pay laterHealth & recovery
Sells greens powders, energy drinks and supplements for women.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Bloom Nutrition
Bodybuilding.com
Pay laterHealth & recovery
Online sports nutrition store selling protein, pre-workout, supplements and fitness gear.
Klarna
Checked Nov 10, 2026
Visit Bodybuilding.com
Bon Charge
Pay laterHealth & 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 laterHealth & recovery
Sells massage chairs and devices, personal care gadgets, home goods and gifts.
Klarna
Checked Nov 10, 2026
Visit Brookstone
BulkSupplements.com
Pay laterHealth & 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 laterDepartment 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 laterHealth & 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 laterDepartment 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 laterHealth & recovery
Sells smart scales, massagers and kitchen scales.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Etekcity
Firefly Recovery
Pay laterHealth & recovery
Sells wearable muscle recovery devices.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Firefly Recovery
Flora Health
Pay laterHealth & recovery
Makes herbal supplements, oils and plant-based wellness products.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Flora Health
GHOST
Pay laterHealth & recovery
Sells protein, pre-workout and energy supplements and merch.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit GHOST
Glov
Pay laterHealth & recovery
Sells targeted supplements for women's hair, metabolism and bloating.
Shop Pay Installments · Cash App Afterpay · Sezzle
Checked Nov 11, 2026
Visit Glov

Goli
Pay laterHealth & 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 laterHealth & recovery
Sells pre-workouts, energy drinks and sports supplements.
SezzleHSA/FSA
Checked Nov 11, 2026
Visit Gorilla Mind
Haelo
Pay laterHealth & 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
Heavenly Heat Saunas
Pay laterHealth & 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
High Tech Health
Pay laterHealth & recovery
Colorado maker of infrared saunas for home and professional use.
Klarna
Checked Nov 10, 2026
Visit High Tech Health
HigherDOSE
Pay laterHealth & 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 laterHealth & 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 laterHealth & 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 laterHealth & 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 laterHealth & recovery
Online retailer of vitamins, supplements, natural beauty and grocery products shipping worldwide.
Klarna
Checked Nov 10, 2026
Visit iHerb
Inno Supps
Pay laterHealth & recovery
Sells natural sports and wellness supplements.
Klarna · Affirm · Sezzle
Checked Nov 11, 2026
Visit Inno Supps
Jabra Enhance
Pay laterHealth & 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 laterHealth & 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
Journey Health & Lifestyle
Pay laterHealth & recovery
Sells folding power chairs, upright rollators, mobility scooters and other mobility aids for seniors.
Bread Pay · Shop Pay InstallmentsHSA/FSA
Checked Nov 10, 2026
Visit Journey Health & Lifestyle
Legion Athletics
Pay laterHealth & recovery
Sells protein powders, pre-workouts and natural sports supplements.
Sezzle
Checked Nov 11, 2026
Visit Legion Athletics
MaryRuth's
Pay laterHealth & 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
MassageTools.com
Pay laterHealth & recovery
Sells massage tables, chairs, oils and spa equipment for professionals.
PayPal Pay Later
Checked Nov 10, 2026
Visit MassageTools.com
Med Mart
BothHealth & 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 laterHealth & 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 laterHealth & recovery
Sells the Mira fertility hormone tracker and test wands.
Shop Pay Installments · Cash App Afterpay · Sezzle
Checked Nov 11, 2026
Visit Mira
Mito Red Light
Pay laterHealth & 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 ownHealth & recovery
Sells, rents and repairs mobility scooters, wheelchairs and lift chairs.
Acima
Checked Nov 10, 2026
Visit Mobility City
Molekule
Pay laterHealth & 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 laterHealth & 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 laterHealth & recovery
Makes adaptogenic supplements, powders and skincare.
Cash App Afterpay
Checked Nov 10, 2026
Visit Moon Juice
Movinglife
Pay laterHealth & 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 laterHealth & recovery
Sells medical vibration devices for pelvic and sexual health.
Cash App Afterpay
Checked Nov 10, 2026
Visit MV.Health
Myprotein
Pay laterHealth & recovery
Sports nutrition brand selling protein powder, supplements and activewear.
KlarnaHSA/FSA
Checked Nov 10, 2026
Visit Myprotein
Naked Nutrition
Pay laterHealth & recovery
Sells protein powders and workout supplements with minimal ingredients.
Cash App AfterpayHSA/FSA
Checked Nov 10, 2026
Visit Naked Nutrition
Olly
Pay laterHealth & 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 laterHealth & recovery
Orthopedic shoes, insoles and socks for foot pain relief.
Shop Pay InstallmentsHSA/FSA
Checked Nov 10, 2026
Visit Orthofeet
Osaki
Pay laterHealth & 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 laterHealth & 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 laterHealth & 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 laterHealth & recovery
Sells indoor and outdoor infrared saunas with built-in red light therapy.
Bread Pay
Checked Nov 9, 2026
Visit Peak Saunas
Perpay
Pay laterDepartment 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 laterHealth & recovery
Sells cold plunge tubs, saunas and recovery accessories for homes and businesses.
Bread Pay
Checked Nov 9, 2026
Visit Plunge
Pop On Veneers
Pay laterHealth & 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
Promix Nutrition
Pay laterHealth & recovery
Sells protein powders, bars and natural supplements.
Zip
Checked Nov 11, 2026
Visit Promix Nutrition
REathlete
Pay laterHealth & recovery
Sells massagers, compression and recovery devices.
Klarna · Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit REathlete
Rehabmart
Pay laterHealth & recovery
Online store for mobility, rehab, therapy and home medical equipment.
Affirm
Checked Nov 10, 2026
Visit Rehabmart
Reliefband
Pay laterHealth & recovery
Sells anti-nausea wristbands for motion sickness and pregnancy.
Klarna · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Reliefband
Renpho
Pay laterHealth & 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 laterHealth & 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
BothHealth & recovery
Sells electric mobility scooters and wheelchairs.
Shop Pay Installments · Katapult
Checked Nov 10, 2026
Visit Reyhee
RingConn
Pay laterHealth & recovery
Sells smart rings for sleep, health and activity tracking.
Klarna · Cash App AfterpayHSA/FSA
Checked Nov 10, 2026
Visit RingConn
Saalt
Pay laterHealth & 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 laterDepartment 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 laterHealth & recovery
Sells home sleep tests, CPAP machines, masks and supplies.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Sleep Doctor
SNOOZ
Pay laterHealth & recovery
Sells white noise machines and sleep products.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit SNOOZ
SpinLife
Pay laterHealth & recovery
Sells mobility scooters, power wheelchairs, lift chairs, ramps and other home medical equipment.
Bread Pay
Checked Nov 9, 2026
Visit SpinLife
Steel Supplements
Pay laterHealth & recovery
Sells sports supplements, protein and stacks made in the USA.
Klarna · Cash App Afterpay · Sezzle
Checked Nov 11, 2026
Visit Steel Supplements
Sun Home Saunas
Pay laterHealth & recovery
Maker of infrared and traditional home saunas and cold plunges.
AffirmHSA/FSA
Checked Nov 10, 2026
Visit Sun Home Saunas
Sunlighten
Pay laterHealth & recovery
Sells full-spectrum infrared saunas for home wellness.
Klarna · Affirm
Checked Nov 10, 2026
Visit Sunlighten
Target
Pay laterDepartment 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 laterHealth & recovery
Sells hydration and energy drink mixes.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Taste Salud
The CPAP Shop
Pay laterHealth & recovery
Online store for CPAP machines, masks and sleep apnea supplies.
Affirm · Shop Pay Installments
Checked Nov 10, 2026
Visit The CPAP Shop
The Sauna Place
Pay laterHealth & 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 laterHealth & recovery
Sells Theragun massage guns and recovery, compression and skincare devices.
Klarna · Cash App AfterpayHSA/FSA
Checked Nov 10, 2026
Visit Therabody
Therasage
Pay laterHealth & 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 laterHealth & recovery
Sells protein powder, pre-workout and vitamins.
Sezzle
Checked Nov 11, 2026
Visit Tiger Fitness
Transparent Labs
Pay laterHealth & recovery
Sells protein powders, pre-workouts and sports nutrition supplements.
Sezzle
Checked Nov 11, 2026
Visit Transparent Labs
Tru Niagen
Pay laterHealth & recovery
Sells NAD+ boosting Niagen nicotinamide riboside supplements.
Shop Pay Installments · SezzleHSA/FSA
Checked Nov 11, 2026
Visit Tru Niagen
Ultrahuman
Pay laterHealth & 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 laterDepartment 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 laterHealth & recovery
Sells smart scales, hybrid smartwatches, blood pressure monitors and health devices.
Klarna · Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 10, 2026
Visit Withings
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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.
More categories
- Clothing & shoes 387
- Furniture & mattresses 363
- Beauty & personal care 164
- Auto & powersports 155
- Bikes, water & outdoors 147
- Cameras & electronics 138
- Fitness & sports 120
- Jewelry & watches 119
- Travel 71
- Baby & kids 64
- Home improvement 64
- Gaming PCs & computers 49
- Home decor & garden 47
- Music 42
- Kitchen & coffee 39
- Glasses & eyewear 30
- Department stores & marketplaces 28
- Games & arcade 21
- Pets 19
- Tickets & events 10
- Food & grocery delivery 8
- Horse & equestrian 5
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