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Hyperbaric Chamber Financing: Monthly Payments, HSA/FSA & Lease Options Explained
Hyperbaric Chamber Financing: Monthly Payments, HSA/FSA & Lease Options Explained
Can you finance a hyperbaric chamber? Yes. We finance through our lending partner, Mobility Trust Group, starting with a soft credit pull. At a sample 9.99% APR over 60 months, a $5,750 chamber is about $122 a month. HSA and FSA cards can't be used at checkout.
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Quick answer
- Sample payments at 9.99% APR over 60 months: about $122/mo on $5,750, $381/mo on $17,950 and $754/mo on $35,490.
- Mobility Trust Group lends on fixed rates over 24 to 60 months, subject to approval. You may need a down payment.
- A longer term costs more: on $17,950, going from 36 to 60 months adds roughly $2,000 in interest.
- No HSA or FSA cards at our checkout. Your plan may reimburse you afterwards, usually with a letter of medical necessity.
How hyperbaric chamber financing works at Selected Comfort
You apply with our lending partner, get a rate after a soft pull, then order. At Selected Comfort, we don't lend money ourselves: our financing runs through Mobility Trust Group, and its affiliate Mobility Credit Acceptance, LLC makes the actual loans. Every chamber in our hyperbaric chamber collection can go through the same application.
The four steps
- Settle on a chamber. If you haven't priced one yet, our hyperbaric chamber cost guide breaks prices down by shell type and ATA.
- Apply on the financing page. The soft pull won't touch your credit score.
- Read the offer properly. Your APR, term and any down payment depend on your credit, how much you borrow and what you're buying.
- Place the order. It normally ships once the order and funding are both confirmed, though the lender's terms set the exact process.
What the loan may (or may not) cover
Ask before you sign
Not every add-on can go on the same loan, and you don't want to find out at the end. Check with us and Mobility Trust Group about the oxygen concentrator, a BIBS upgrade, an air cooler and installation support.
What does a hyperbaric chamber cost per month?
Roughly $122 to $754 a month at a sample 9.99% APR over 60 months, depending on the chamber. Below are three chambers we sell, at today's listed prices, run through two sample APRs. Treat them as estimates: your real rate only shows up after Mobility Trust Group reviews your application.
| Chamber | Price | 36 mo at 9.99% | 60 mo at 9.99% | 60 mo at 17.99% |
|---|---|---|---|---|
| TECNOTU TecnoLay Classic 1.5 ATA (soft, lying) | $5,750 | ~$186/mo | ~$122/mo | ~$146/mo |
| TECNOTU Duo Series 1.5 ATA (2-person hard shell) | $17,950 | ~$579/mo | ~$381/mo | ~$456/mo |
| MACY-PAN HP2202 2.0 ATA (hard shell) | $35,490 | ~$1,145/mo | ~$754/mo | ~$901/mo |
Estimates assume no down payment, fixed payments and no fees. Prices from Selected Comfort listings as of November 1, 2026. Real APRs, terms and down payments depend on credit approval.
Watch the total, not the payment
Watch out
The longer you stretch it, the more you pay. Take the $17,950 Duo. Over 36 months at 9.99%, you'd pay about $2,900 in interest. Push that out to 60 months and it's closer to $4,900. Get a 17.99% rate instead and you're near $9,400. So yes, the payment drops. The bill doesn't.
How it compares with clinic sessions
Quick math
A session at a clinic usually runs $150 to $300. On the sample 60-month rate, the TecnoLay Classic costs less each month than one of those visits.
TECNOTU TecnoLay Classic 1.5 ATA$5,750 · or ~$122/mo*
Our easiest chamber to finance: less per month than a single clinic session.
View productShould you finance, pay cash, or buy a cheaper chamber?
Finance if the payment sits comfortably in your budget and the chamber does what you need. If you can pay cash without stretching, pay cash and keep the interest.
And sometimes the answer is a cheaper chamber. Most people using a chamber at home do fine with a 1.5 ATA soft shell. If you're stretching for a $35,000 hard shell you might not need, read our soft vs hard shell comparison and 1.5 ATA vs 2.0 ATA guide before you apply.
Soft chambersAround $6,000
The portable hyperbaric chambers sit here, the TecnoLay Classic and the TECNOTU 1.5 ATA Recline among them. It's the easiest tier to finance, and plenty of buyers just pay outright.
Entry hard shells$13,000–$20,000
The TECNOTU Single-Person Modular starts this tier. The Duo is here too, for couples who'd share sessions.
Full 2.0 ATA hard shells$30,000 and up
That's where the HP2202 sits. The full range is in our hard shell hyperbaric chambers collection.
TECNOTU Single-Person Modular Hard ShellFrom $13,450 · or ~$286/mo*
The lowest-priced way into a hard shell if a soft chamber won't do.
View product
Can I use my HSA or FSA for a hyperbaric chamber?
Maybe, just not at our checkout. We don't take HSA or FSA payments, and nobody can promise you'll be reimbursed.
Whether a chamber counts as a medical expense comes down to the IRS definition in Publication 502 and your own plan's rules. Because a chamber can be used for general wellness, administrators usually want a letter of medical necessity from a licensed provider. That letter ties the chamber to a diagnosed condition and a treatment plan.
If the plan says yes, you'd normally pay another way first, by loan or card, then pay yourself back from the HSA. IRS rules allow that for qualified expenses incurred after you opened the account.
Is a hyperbaric chamber HSA eligible with a letter of medical necessity?
Sometimes. Your plan administrator is the one who decides. Before ordering:
- Ask the administrator whether they'd accept a hyperbaric chamber with a letter of medical necessity.
- Get the letter from your provider before you buy.
- Keep the itemized receipt with the letter.
- Talk to a tax professional, including about how a financed purchase is treated.
Medicare
We aren't a Medicare-enrolled supplier, so Medicare won't reimburse a purchase from us.
Financing options for clinics and wellness businesses
Business purchases follow different rules, so get a written trade quote first. Equipment leases and business loans have to be checked case by case, so I won't promise either here. If you're buying for a clinic, chiropractic office or wellness studio, our commercial and trade sales team will tell you which commercial payment options apply to your order.
What to check on a commercial purchase
- Warranty. Plenty of manufacturer warranties exclude commercial use of home models. We confirm terms for each model on the quote.
- Tax treatment. Ask your accountant how the purchase is handled, for example under Section 179.
- Capacity. A multi-person unit like the TECNOTU Quad-Person Modular changes the revenue math, but only when you already have the clients.
TECNOTU 1.5 ATA Quad-Person Modular$27,800
Four seats in one chamber for clinics that already have the client base.
View product
Before you sign a financing agreement
Six quick checks protect you from a bad deal. Run through them before you sign anything.
- Compare the total repayable, not just the monthly figure.
- Ask whether you'll need a down payment.
- Confirm what the loan covers: concentrator, BIBS, air cooler, installation.
- Ask about prepayment penalties if you might clear it early.
- Find out when the chamber ships once funding's approved.
- Get the warranty for your chamber in writing.
Questions about the loan itself go to Mobility Trust Group at financing@mobilitytrust.com or 804-533-5343. Product and order questions come to us.
The bottom line
Financing makes sense when the payment fits your budget comfortably and you've picked the right chamber, not the biggest one. Apply on our financing page and you'll see your actual rate after a soft credit check.
Still choosing? Start with our best hyperbaric chamber for home use guide or browse all hyperbaric chambers.
*Monthly figures are estimates at a sample 9.99% APR over 60 months. I sell chambers; I'm not a doctor or a tax adviser. Check with your doctor before starting hyperbaric oxygen therapy, and with a tax professional about HSA or FSA use.
Want to see your real monthly number?
Check your rate with a soft credit pull. Chambers start from about $122/mo at a sample 9.99% APR.
Frequently asked questions
Can you finance a hyperbaric chamber?
Yes. Selected Comfort finances hyperbaric chambers through its lending partner, Mobility Trust Group, on fixed rates over 24 to 60 months, subject to approval. The application starts with a soft credit pull, and you may need a down payment depending on your credit and the chamber.
How much is a hyperbaric chamber monthly payment?
Around $122 a month for a $5,750 chamber, $381 for a $17,950 chamber and $754 for a $35,490 chamber, assuming a sample 9.99% APR over 60 months with no down payment. Your own rate and payment depend on credit approval.
Does applying for financing affect my credit score?
No. The first check is a soft pull, so it does not affect your credit score. Your final rate and term depend on your credit, the amount you borrow and the chamber you choose.
Can I use my HSA for a hyperbaric chamber?
Not at Selected Comfort's checkout. Some plans reimburse a chamber afterwards when you have a letter of medical necessity from a licensed provider. Check with your plan administrator and a tax professional before you buy, and keep the itemized receipt with the letter.
Is there 0% financing on hyperbaric chambers?
We can't promise a 0% offer. Rates depend on your credit and current lender programs, so ask Mobility Trust Group about any offers available when you apply.
Do you offer hyperbaric chamber leases for clinics?
We confirm commercial payment options one order at a time. Send our commercial and trade sales team a quote request and we will tell you which leasing or financing options are available for your clinic's order.
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