Gotta be careful with some of the 36 month plans (depends on the manufacturer) but sometimes they will help cover finance costs which is great for the consumer, however other times most or all of it will simply be built into the price adding ~10-12% + to the cost without the consumer knowing...not to state the obvious but long term financing (especially on luxury items) is definitely not free, either the manufacturer is helping pay for it or YOU the consumer are paying for it not knowing they simply jacked up the price of the spa $1,000 to cover it.