Hyperbaric Chamber Financing 2026

Hyperbaric Chamber Financing: Payment Plans for Home Buyers, Clinics, and Wellness Practices

Whether you are buying a Newtowne C4-27 ($4,495) for home wellness use, or outfitting a chiropractic clinic with a full 2.0 ATA hard-shell system, we work with Affirm for personal purchases and four business lenders for practices. Apply in minutes. Get a decision fast. Pay over time. Affirm rates range from 0% to 36% APR based on your credit profile. Financed equipment can still qualify for a Section 179 deduction for chiropractic, PT, and wellness practices adding hyperbaric therapy.

Prescription required in the US. Home hyperbaric chambers are FDA Class II medical devices. You need a prescription from an MD or DO before purchase. A separate prescription is required for an oxygen concentrator. RecovAthlete can connect you with a telehealth provider for both prescriptions on your consult call. This is a regulatory requirement, not a financing barrier.

RecovAthlete has no control over any financing decision. Approval is based on your creditworthiness and is solely the lender's decision.

Financing at a Glance

From $125/month Newtowne C4-27 ($4,495) over 36 months, assuming 0% APR. Affirm rates range 0% to 36% based on credit.

4 business lenders Brickhouse Capital, Reliant Capital, Acorn Finance, KWIPPED

Up to $5M Commercial financing available for multi-chamber clinical buildouts

Section 179 eligible Financed chambers can qualify for deduction in the year placed in service. Confirm with your CPA.

Personal Financing via Affirm

Buying a hyperbaric chamber for home use? Whether it is a Newtowne C4-27 ($4,495) for wellness and recovery, an OxyRevo Forward 90 Pro ($9,499) for athletic training, or an OxyRevo Quest30 ($24,999) for daily 2.0 ATA protocols, Affirm lets you spread the cost at 0% to 36% APR depending on your credit profile.

How to read the payment figures on this page. Affirm rates range from 0% to 36% APR based on your credit profile. 0% APR is available on select terms for qualified buyers. Every monthly figure shown here assumes 0% APR and is for comparison only. Your actual rate and monthly payment are confirmed by Affirm at checkout, before you commit.

Two Affirm payment options

Pay in 4 (0% APR)

Split your purchase into 4 interest-free payments, charged every 2 weeks. No interest, no fees. Best for entry-level chamber purchases under $4,000.

Monthly Installments (0% to 36% APR)

Spread the cost over 3, 6, 12, 18, 24, or 36 months. Rate depends on your credit profile and the term you select.

Example: a $9,499 OxyRevo Forward 90 Pro, assuming 0% APR over 36 months, works out to approximately $264 a month. At 15% APR over 36 months, approximately $329 a month. Your actual rate is confirmed by Affirm at checkout, before you commit.

How Affirm works

Confirm your prescription is in hand. If you need one, call us first at 866-861-6317 for the telehealth pathway.
Browse hyperbaric chambers and add your chosen model to cart.
Go to checkout. Select Affirm at the payment step.
Provide a few details: name, phone number, date of birth. Get a real-time decision with your actual APR.
Choose the payment plan that fits your budget. Your chamber ships on the normal schedule, typically 3 to 5 weeks.

What you should know about Affirm

No hidden fees. No origination fees, no prepayment penalties, no late fees.
Soft credit check to apply. Pay in 4 uses a soft check only. Monthly plans may involve a hard inquiry.
Pay off early with no penalty. Close out your balance whenever you want.
Credit reporting. Affirm reports to Experian and TransUnion. On-time payments help build credit.
Minimum purchase: $35 for Pay in 4, $1,000 for monthly plans. Every RecovAthlete hyperbaric chamber exceeds the monthly plan minimum.
US shipping address required.

Want monthly payment estimates across the full chamber range? Our Ultimate Guide to Choosing the Best Home Hyperbaric Chamber has a full chamber comparison from the $4,495 Newtowne C4-27 through the $42,999 OxyRevo Space60, plus FDA-cleared vs CE-certified regulatory framing.

Business Financing for Chiropractic, PT, and Wellness Practices

Adding hyperbaric oxygen therapy to a chiropractic clinic, PT practice, medspa, IV therapy center, or wellness studio? We work with four business lenders so you can preserve cash flow and get the chamber your practice needs now. Every lender has different strengths. We recommend applying with 2 or more to compare offers.

Brickhouse Capital

Equipment Financing

Private direct lender since 2003
Up to $250K with one-page application, no financial statements
Up to $1M or more with financials
Approval typically within 24 hours
Lease or Equipment Finance Agreement (EFA) options
Tied to the business, not your personal credit report
Serves chiropractic, PT, medspa, wellness studios

Call 866-861-6317 to apply

Reliant Capital Group

Equipment Leasing and Financing

Equipment financing and leasing for medical, aesthetic, wellness industries
Up to $500K application-only, up to $5M with financials
Finance agreements, leases, and working capital
New or used equipment financing
3 to 24 month deferred payment options
2 to 4 hour credit approvals

Apply with Reliant Capital

Acorn Finance

Lending Marketplace

Lending marketplace connecting you with 30 or more lenders
Loans from $1,000 to $100,000
Terms up to 12 years, some lenders up to 20
Prequalify in 60 seconds with no impact to credit score
Compare multiple offers side by side
No early repayment penalties
Funds can arrive as soon as 1 business day after approval

Check offers with Acorn Finance

KWIPPED (APPROVE)

Lender Marketplace

Sends your application to a network of equipment finance companies
Lenders compete to earn your business, which drives better rates
60-second application, up to 3 offers to compare
Financing terms from 12 to 60 months
Roughly 5% to 25% equivalent APR
Minimum equipment value $1,500
Businesses only, not available for personal use

Call 866-861-6317 for custom setup

Why apply with 2 lenders? Each one has different underwriting criteria. Brickhouse focuses on business credit. Reliant considers medical practice cash flow. Acorn shops 30 or more retail lenders. KWIPPED runs a competitive bid. Applying with 2 gives you a rate to compare against and a fallback if one declines.

Loan vs Lease: Which Is Right for Your Practice?

Option	Ownership	Monthly Cost	Tax Treatment	Best For
Equipment Loan (EFA)	Immediate, day one	Higher	May qualify for Section 179	Practices wanting ownership and the strongest tax position
$1 Buyout Lease	End of term for $1	Medium	Depreciation deductible over term	Practices managing cash flow in year one
Fair Market Value Lease	Optional purchase at end	Lower	Lease payments as operating expense	Practices that want to upgrade chambers regularly
Working Capital Loan	Not applicable, cash for buildout	Higher rate	Interest deductible as business expense	Buildout costs beyond the chamber: room, ventilation, marketing

Section 179 and Financed Chambers

Section 179 lets US businesses deduct the cost of qualifying equipment, including financed hyperbaric chambers, in the year it is placed in service. Limits, phaseout thresholds, and eligibility rules are set by the IRS and change year to year. Confirm the current-year figures with your CPA.

Financed equipment can qualify Financing a chamber does not by itself disqualify it from a Section 179 deduction. The equipment must be placed in service, not just ordered, within the tax year.

Illustrative example 1, chiropractor adding hyperbaric therapy: a single OxyRevo Quest30 ($24,999) hard-shell 2.0 ATA chamber. Assuming the full amount qualifies and a 32% marginal tax rate, the deduction would reduce tax by approximately $8,000, putting effective cost near $17,000. Your figures will differ.

Illustrative example 2, wellness clinic 3-chamber buildout: 2 OxyRevo Quest30 ($24,999 each) plus 1 OxyRevo Space60 ($42,999) = $92,997 total equipment cost. On the same assumptions, the deduction would reduce tax by approximately $29,760, putting effective cost near $63,240. Your figures will differ.

Combining Section 179 with commercial financing: finance the chambers through Brickhouse Capital or Reliant Capital, claim the deduction in the year the equipment is placed in service, and start payments after it ships. You keep the working capital. Confirm the treatment with your CPA first.

Consult your CPA before making equipment decisions based on tax strategy. Rules change and individual circumstances vary. This is general information, not tax advice.

Which Financing Path Fits Your Situation?

Home wellness or longevity user

Affirm, 12 to 36 month terms

Personal use, wellness or longevity focused. Newtowne C4-27 ($4,495) or OxyRevo Elite36 Pro ($7,999) fits the profile. Add to cart, select Affirm at checkout, 60-second decision. Prescription required, and RecovAthlete can connect you with a telehealth provider.

Athlete or recovery-focused user

Affirm, 12 to 36 month terms

Personal use, athletic training or post-surgery recovery. OxyRevo Forward 90 Pro ($9,499) at 1.5 ATA is the popular pick. Payment approximately $264 a month over 36 months, assuming 0% APR.

Post-TBI or long COVID home use

Affirm or Acorn Finance

Personal use, physician-directed protocol. OxyRevo Quest30 ($24,999) at 2.0 ATA is the clinical-tier home choice. Acorn is the backup if Affirm rates come back high. Physician clearance required, which you likely already have if you are pursuing this.

Chiropractor adding hyperbaric therapy

Brickhouse Capital or Reliant Capital

Adding a cash-pay recovery service to an existing chiropractic practice. A single OxyRevo Quest30 ($24,999) at 2.0 ATA is the typical starter. Brickhouse's one-page application up to $250K works well. May qualify for Section 179.

Wellness studio or medspa

Brickhouse Capital or KWIPPED

Adding hyperbaric as a premium service alongside red light therapy, cold plunge, or IV therapy. The OxyRevo Space60 ($42,999) sitting chamber suits a medspa floor. KWIPPED's lender bidding drives lower APR on larger deals.

Multi-chamber clinical practice

KWIPPED or Reliant Capital

Deals above $75K. Multiple chambers for parallel session delivery. Reliant handles up to $5M with financials. KWIPPED's competitive lender bidding typically returns the best APR on larger orders.

Wheelchair-accessible or mobility-impaired user

Affirm or Acorn Finance

Home or caregiver use with mobility considerations. The OxyRevo Heal40 Pro Wheelchair chamber ($11,499) is the specific-purpose model. Payment approximately $319 a month over 36 months, assuming 0% APR.

FDA-cleared preference (US home use)

Affirm on Newtowne models

Personal or clinical use where FDA-cleared 510(k) status matters. Newtowne C4-27 ($4,495), C4-34 ($7,495), and the Shoe Chamber ($5,395) are the FDA-cleared options. OxyRevo and Macy-Pan are CE-certified only, not FDA-cleared.

When Financing a Hyperbaric Chamber Isn't the Right Choice

Financing works for most buyer profiles. Five situations where paying cash or delaying the purchase is smarter.

You can pay cash without touching your reserves. If the chamber is under $8,000 and you have the cash sitting idle, financing adds paperwork and, unless you land a 0% term, interest. Businesses are often the exception, because financed equipment can still qualify for a Section 179 deduction. Confirm the current-year rules with your CPA before you decide on that basis.
Credit score under 600. Expect the top of the 0% to 36% APR range on Affirm. Wait 6 months, work on your credit, and avoid locking in a rate at that level.
No prescription yet. Home hyperbaric chambers are FDA Class II devices. You need a prescription before purchase. Get the prescription first, and RecovAthlete can help via telehealth, then finance.
First-time HBOT user. Try 3 to 5 clinical HBOT sessions at $150 to $300 each before committing to $5,000 or more of home equipment. Confirm you tolerate pressurization and see a benefit before you finance.
You have not priced the oxygen concentrator. The chamber is not the whole purchase. A 5L concentrator for soft-shell, or a 10L for daily hard-shell use, is a separate item and it needs its own prescription. Price the full setup before you finance the chamber alone, or you will be paying for a system you cannot yet run.
Space or electrical not confirmed. Hard-shell chambers need a 32 inch doorway for the Quest30, up to 38 inches for the Quest36, roughly 10 ft x 5 ft of floor space, and a dedicated 15-amp circuit. Verify before ordering. Financing paperwork will not help if the chamber cannot reach the install room.

Hyperbaric Chamber Financing FAQ

Can I finance a hyperbaric chamber at RecovAthlete?

Yes. All chambers over $35 qualify for Affirm Pay in 4. All chambers over $1,000 qualify for Affirm monthly financing, and every RecovAthlete chamber exceeds that. Business financing through Brickhouse Capital, Reliant Capital, Acorn Finance, or KWIPPED covers every hyperbaric chamber we carry: Newtowne (FDA-cleared 510(k)), OxyRevo, Macy-Pan, and Airvida.

Do I need a prescription to finance a hyperbaric chamber?

Yes. Home hyperbaric chambers are FDA Class II medical devices. You need a prescription from an MD or DO before purchase. A separate prescription is required for an oxygen concentrator. Financing itself does not require a prescription, but shipment does. RecovAthlete can connect you with a telehealth provider experienced in HBOT during your consult call. Call 866-861-6317 for the telehealth pathway.

What is the monthly payment on a hyperbaric chamber?

Assuming 0% APR via Affirm, for comparison: Newtowne C4-27 ($4,495) is approximately $125 a month over 36 months. OxyRevo Forward 90 Pro ($9,499) is approximately $158 a month. OxyRevo Quest30 ($24,999) is approximately $417 a month. OxyRevo Space60 ($42,999) is approximately $716 a month. Affirm rates range from 0% to 36% APR based on your credit profile, so your actual payment may be higher. Exact terms are confirmed by Affirm at checkout.

Does applying for financing affect my credit score?

Affirm's Pay in 4 and the initial rate check use a soft credit inquiry that does not affect your credit score. A hard inquiry occurs only if you proceed with a monthly plan. Acorn Finance and KWIPPED also offer soft-check pre-qualification. Brickhouse and Reliant run a business credit check that starts with a soft check.

What credit score do I need to finance a hyperbaric chamber?

Affirm approves many applicants without perfect credit. A score of approximately 600 or above typically qualifies for standard plans. Higher scores are more likely to see the lower end of the APR range. Business lenders consider business revenue and time in operation alongside personal credit. Brickhouse specifically underwrites the business rather than personal credit, which makes it more accessible for established chiropractic and PT practices.

Can a chiropractic clinic finance multiple hyperbaric chambers at once?

Yes. Business financing through Brickhouse Capital, Reliant Capital, Acorn Finance, or KWIPPED is designed for multi-unit commercial orders. A 3-chamber buildout (2 Quest30 plus 1 Space60 = $92,997) sits well within Brickhouse's $250K one-page application limit and Reliant's $500K application-only limit. Call 866-861-6317 for a bundled commercial quote to include in your financing application.

Does Section 179 apply to financed hyperbaric chambers?

Financed chambers can qualify. Section 179 lets US businesses deduct the cost of qualifying equipment in the year it is placed in service, and financing the purchase does not by itself disqualify it. Annual limits, phaseout thresholds, and eligibility rules are set by the IRS and change year to year. Consult your accountant to confirm eligibility and calculate the net cost before purchasing.

How fast is approval for hyperbaric chamber financing?

Approval times vary. Affirm and Acorn Finance return decisions in 60 seconds. Reliant Capital approves commercial applications in 2 to 4 hours. Brickhouse Capital approves within 24 hours on a one-page application up to $250K. KWIPPED takes 2 to 3 days for lender bidding but often returns the lowest APR because multiple lenders compete.

Can delivery and installation be financed?

Yes. For consumer Affirm financing, delivery is included in the financed order total as it appears at checkout. Hard-shell chambers ship via LTL freight. Soft-shell ships ground. For business financing, the formal quote from RecovAthlete should include delivery, freight, white glove if selected, the oxygen concentrator, and any accessories. The entire quote amount is what goes on the financing application.

Can I finance the oxygen concentrator too?

Yes. Hyperbaric chambers require a separate oxygen concentrator, 5L for soft-shell and 10L for daily hard-shell use. The concentrator is a separate purchase that also requires a prescription. Both the chamber and the concentrator can go on the same Affirm order at checkout, or be bundled into a business financing application. A full home HBOT setup including the concentrator typically runs $500 to $2,500 more than the chamber alone.

Can I pay off my financing plan early?

Yes. Affirm charges no prepayment penalties. Acorn Finance and most business lenders also allow early payoff without penalty. Brickhouse and Reliant Capital lease agreements may include a small early buyout fee. Confirm with the lender before signing.

What is the difference between an equipment loan and a lease for hyperbaric chambers?

An equipment loan (EFA) gives you immediate ownership. You own the chamber from day one, which is the cleaner position for a Section 179 claim. A lease gives you use of the equipment with lower monthly payments and the option to purchase or upgrade at the end of the term. Operating lease payments can be treated as a business expense. For chiropractic and PT practices the loan is more common. Discuss both with your accountant before applying.

Does the FDA-cleared status of the chamber affect financing?

No. Lenders underwrite based on your credit, business revenue, and the equipment total, not the regulatory status of the specific chamber. Newtowne chambers (FDA-cleared 510(k)) and OxyRevo or Macy-Pan chambers (CE-certified) both qualify for financing. The FDA-cleared vs CE-certified distinction matters for insurance billing and clinical positioning, not for financing approval.

Not sure which hyperbaric chamber financing path fits your situation?

Book a free 30-minute consultation and we will help you work out the best path based on:

Your buyer profile (home user, athlete, chiropractor, wellness studio, multi-chamber clinical practice)
Total equipment cost and whether FDA-cleared 510(k) status matters for your use case
Prescription pathway if you do not have one yet, for both the chamber and the oxygen concentrator
Time to close (this week vs 60 days out)
Personal vs business credit and your current tax situation
Lead time and placed-in-service timing if year-end tax treatment is part of your plan

Three ways to reach us:

📞 Call 866-861-6317, Monday to Friday, 9am to 6pm EST. Live team, no phone tree.

📅 Book a 30-minute consultation, pick your time and we send a Zoom link and pre-call questionnaire.

✉️ info@recovathlete.com for written questions

Prices verified July 2026. Financing terms subject to lender approval and creditworthiness. Actual APR, monthly payment, and term length depend on credit score, income, and lender-specific criteria. Payment figures shown assume 0% APR and are for comparison only. Section 179 information is general and not tax advice. Limits and eligibility rules are set by the IRS and change year to year. Consult a CPA for your specific situation. RecovAthlete has no control over any financing decision. Approval is solely the lender's decision. Home hyperbaric chambers are FDA Class II medical devices requiring a prescription from an MD or DO before purchase in the US.