WHISPER OUTDOOR FINANCING
FLEXIBLE FINANCING OPTIONS
100% In-House Financing*
60 Months 0% Interest*
FINANCING MADE EASY
Everyone Is Approved
Good Credit, Bad Credit, or No Credit.
Apply now for an easy and quick credit decision.
What We Offer
Explore Spas
Create your at-home getaway with a hot tub designed for you.
Explore Golf Carts
Premium golf carts built for smooth performance, comfort, and modern style.
Explore Swim Spas
Low-impact exercise, relaxation, and year-round enjoyment
Explore Boats
Spacious, stable, and built for unforgettable days on the water.
Explore UTVs
Rugged, reliable, and ready for work or weekend adventure.
Finance Application
Hot Tubs Spare Parts & Accessories
Authentic AQL parts designed to keep your product performing at its best.
AQL | Golf Carts Spare Parts & Accessories
Authentic AQL parts designed to keep your product performing at its best.
Social Media
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Frequently Asked Questions
What financing options does Whisper Outdoor offer?
We offer three paths so every customer can find the right fit: in-house financing, third-party financing through Wells Fargo, Huntington and Octane, and promotional 0% APR programs when available. In-house financing is approved directly by us — no outside bank — with terms up to 84 months on most products, and programs designed for all credit types. You can apply online in minutes and get a prompt decision before you visit a store or check out.
Do I need good credit to get approved?
No. Our in-house financing is built specifically to approve buyers across the full credit spectrum — including those who have been turned down elsewhere. Because we own the financing, we set the criteria, not a third-party bank. Customers with stronger credit may also qualify for lower-rate programs through Wells Fargo or our promotional 0% APR offers when available.
How long are the financing terms?
Terms run up to 84 months (7 years) on most qualifying purchases, or up to 180 months (15 years) on boats, which keeps monthly payments low on bigger-ticket items like swim spas, pontoons, and premium golf carts. Shorter terms are available if you’d rather pay it off faster. Your rate, term, and monthly payment are confirmed before you sign — no surprises.
How fast is the approval process?
Most applicants receive details on their approval in 1 business day after submitting the online form above. The application is short, and a Whisper Outdoor financing specialist follows up the same day if any details need clarifying. You can apply from home, from a retail showroom, or from your phone while you shop.
Is there a down payment requirement?
It depends on the program and the product. Many of our financing options require little to no money down, and approved buyers often leave the showroom the same day with no upfront payment. Specific down payment requirements are confirmed during your application based on the program you qualify for.
Can I finance any Whisper Outdoor product?
Yes. Financing applies across every category we sell — spas, swim spas, golf carts, pontoon boats, and UTVs — and across every brand in our lineup, including Catalina, Dr. Wellness, Tuff Spas, Hudson Bay, Plug & Power, and Whisper. Whether you’re outfitting a backyard or buying a pontoon for the lake house, our in-house financing options are available.
Should I finance or pay in full?
Both work — it comes down to how you’d rather use your cash. Financing spreads the cost into predictable monthly payments and keeps your savings free for other priorities. Paying in full avoids interest charges and can sometimes unlock additional cash discounts in-store. Many buyers split the difference: a modest down payment, the rest financed at a comfortable monthly rate. Our financing team can model both scenarios for you before you decide.
Are there 0% APR or special financing promotions?
Yes, on a rotating basis. Whisper Outdoor regularly runs 0% APR promotions and reduced-rate offers on select products and seasons. Current promotions are listed on each product page, and our retail showroom teams can confirm what’s running the day you shop.
Can I apply online, or do I have to visit a store?
Either way works. The full financing application is available online and takes just a few minutes, with a decision returned promptly. If you prefer to apply in person, any of our nearly 100 Whisper Outdoor retail locations across the U.S. can walk you through it on the spot. Whichever you choose, the same programs, terms, and approval criteria apply.