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Pedicure Spa Chair Finance

Spread the cost of pedicure spa chairs from £600 to £6,500 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a pedicure spa chair?

Yes, pedicure spa chairs are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £600 to £6,500, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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2-minute application
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Typical Cost

£600 – £7k

Approval Speed

24 hours

Longer for multi-station fit-outs

Rates From

6.0% APR

What would a pedicure spa chair cost per month?

£2,800
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical pedicure spa chair price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Salons wanting to own the chairs outright

Finance Lease

Rate
From 6.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 6.8% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Fitting out multiple stations without a large upfront cost

Representative example

On a purchase price of £2,800: a 10% deposit of £280, then 48 monthly payments of £59 at 5.9% APR representative (fixed). Total amount payable £3,112, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Basic Pedicure Chair (No Plumbing) £600 – £1,500 Basic/Portable Chair (specification class)
Plumbed Pedicure Spa Chair £1,800 – £3,500 Plumbed Spa Chair (specification class)
Premium Massage Pedicure Spa Chair £3,500 – £6,500 Premium Massage Chair (specification class)

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Tax benefits

Pedicure spa chairs qualify for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease payments are treated as a revenue expense and are usually fully deductible against profits.

Market context

Pedicure spa chairs are bought by nail bars, beauty salons and day spas fitting out a pedicure station, ranging from a basic chair with no plumbing to a fully plumbed spa chair with a footbath and massage function. A plumbed installation needs water and drainage connections, so it's often financed alongside the fit-out work needed to bring services to each station rather than as a standalone item, particularly when a salon is opening several pedicure bays at once. Replacement is generally driven by wear on the upholstery, jets and plumbing after years of daily use with foot spas and soaking water rather than the chair becoming outdated, and there is a reasonable used market for pedicure chairs given how many salons refit periodically.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can plumbing and installation be financed alongside the pedicure chairs themselves?
Yes, most lenders will finance a complete pedicure station package, the chairs, plumbing and drainage work and any surrounding fit-out, as one agreement rather than separate finance for equipment and building work. This is the normal way salons finance a new pedicure bay or a multi-station refit, so ask your fitter to provide one itemised quote covering the full scope of work.
How many chairs can I finance on one agreement?
There's no set limit on how many pedicure chairs you can include in one finance agreement, and financing several chairs together for a multi-station salon is common practice. This is often on better overall terms than financing each chair separately, since the lender is reviewing one larger, well-specified order backed by a single supplier quote rather than assessing several small applications individually. It also means one repayment date and one point of contact for the whole pedicure station, which most salon owners find easier to manage than juggling multiple agreements running on different schedules.
Basic or plumbed, does the type affect the finance?
The finance process is the same, but a plumbed spa chair costs significantly more than a basic chair with no water connection, which affects the deposit and monthly payment. The right choice comes down to your salon's layout and whether you have the plumbing infrastructure in place, which is worth confirming with your fitter before finalising which chairs to finance.
Can newly opened salons get finance for pedicure chairs?
Yes, though a salon business under 2 years of trading is more likely to be asked for a personal guarantee from a director, a slightly higher deposit, or both, than an established business with several years of accounts behind it. Evidence of a signed salon lease helps support the application, alongside the standard credit checks any equipment finance goes through, since it shows the lender there's a committed trading location behind the request. Many lenders are comfortable financing pedicure chairs for new salons precisely because the chairs themselves are easy to recover and resell if needed.
How quickly can pedicure chair finance be approved?
Most applications for one or two chairs are approved within 24 hours for an established salon with a clean credit history and a clear supplier quote. Larger multi-station orders bundled with plumbing and fit-out work may take a little longer while the lender reviews the full project, and a newly opened salon should expect a short additional check of trading history and evidence of the salon lease before a decision is reached.
What happens at the end of a pedicure spa chair finance agreement?
What happens depends on the finance option chosen at the start. Under hire purchase, the chairs are yours outright once the final payment clears, with nothing further to pay. Under a finance lease, you can typically carry on using the chairs for a further period for a small rental, or settle a balloon payment to take ownership. Under an operating lease, the chairs are simply returned to the lender at the end of the term, which suits salons that want to refresh their pedicure stations with newer models every few years rather than owning ageing equipment outright.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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