Red Light Therapy Financing

Red Light Therapy Financing: Payment Plans for Panels, Pods, and Full-Body Beds

Last updated July 2026. Prices verified against the live RecovAthlete catalog.

Red light therapy runs from a $139 handheld to a $89,995 full-body bed. The financing path is completely different at each end. Home panels and pods go through Affirm at checkout. Commercial beds for a med spa, clinic, or tanning studio go through one of four business lenders, and financed equipment can still qualify for a Section 179 deduction.

Red light therapy financing lets you spread the cost of a panel, pod, pad system, or full-body bed over 12 to 60 months. At RecovAthlete, home panels go through Affirm at checkout and commercial beds go through one of four business lenders.

Key numbers at a glance

  • Red light therapy at RecovAthlete runs $139 to $89,995.
  • A Hooga PRO 1500 panel ($1,199) is approximately $20 a month over 60 months.
  • A Hooga ULTRA5400 full-body panel ($4,500) is approximately $75 a month over 60 months.
  • Commercial beds: Body Balance PremierRLT $69,997, LS Pro MXP Power Bed PRO $89,900, Prism Light Pod $89,995.
  • Affirm rates range 0% to 36% APR. Monthly plans start at $1,000. Below that it is Pay in 4.
  • A $69,997 bed is approximately $1,167 a month over 60 months before interest, needing roughly 30 to 40 sessions a month at $30 to $40 to cover it.
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 $20/month Hooga PRO 1500 panel ($1,199) over 60 months, assuming 0% APR. Affirm rates range 0% to 36% based on credit.
0% to 36% APR Via Affirm at checkout. 0% is available on select terms for qualified buyers.
4 business lenders Brickhouse Capital, Reliant Capital, Acorn Finance, KWIPPED
Section 179 eligible Financed clinic equipment can qualify for deduction in the year placed in service. Confirm with your CPA.

In This Guide

  1. Can you finance red light therapy at home?
  2. What is the monthly payment on a red light panel?
  3. How does a clinic finance a red light therapy bed?
  4. Equipment loan or lease for a red light bed?
  5. Does Section 179 apply to a financed red light bed?
  6. Do you need a panel, a pad system, or a bed?
  7. How do you apply for red light therapy financing?
  8. When should you not finance red light therapy?
  9. Red light therapy financing FAQ

Can You Finance Red Light Therapy for Home Use?

Quick answerYes. Red light therapy at RecovAthlete over $1,000 qualifies for Affirm monthly financing at checkout, which covers the Hooga PRO 1500 ($1,199) and everything above it. Affirm rates range from 0% to 36% APR based on credit profile. Anything under $1,000, including the Hooga HG300 ($179) and HG500 ($329), is Pay in 4 only.

Buying red light for home use? Whether it is a Hooga PRO 1500 panel ($1,199), a Hooga Pro4500 full-body panel ($2,999), or an LS Pro Systems pad set ($3,690), Affirm lets you spread the cost at 0% to 36% APR depending on your credit profile. Anything under $1,000 is Pay in 4 only.

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. The payment figures below assume 0% APR and are shown for comparison only. Your actual rate and monthly payment are confirmed by Affirm at checkout, before you commit. Prices verified against the live catalog July 2026.

The two Affirm payment options

Pay in 4 (0% APR)

Split the purchase into 4 interest-free payments, charged every 2 weeks. No interest, no fees. Minimum purchase $35.

Monthly Installments (0% to 36% APR)

Spread the cost over 3, 6, 12, 18, 24, or 36 months. Some items qualify for 60-month terms. Rate depends on credit profile and term. Minimum purchase $1,000.

What Is the Monthly Payment on a Red Light Therapy Panel?

Quick answerAssuming 0% APR for comparison, a Hooga PRO 1500 ($1,199) is approximately $20 a month over 60 months. A Hooga Pro4500 ($2,999) is approximately $50 a month. A Hooga ULTRA5400 ($4,500) is approximately $75 a month. An LS Pro Systems Sports Recovery Package ($6,521) is approximately $109 a month. Affirm rates range 0% to 36% APR, so actual payments may be higher.
Product Price 24 mo (est.) 36 mo (est.) 60 mo (est.)
Hooga PRO 1500 Panel $1,199 $50/mo $33/mo $20/mo
Hooga ULTRA 1500 Panel $1,399 $58/mo $39/mo $23/mo
Hooga Full Body Pod XL $1,499 $62/mo $42/mo $25/mo
Hooga Full Body Pod $1,936 $81/mo $54/mo $32/mo
Body Balance DeepWavePRO $2,295 $96/mo $64/mo $38/mo
Hooga Pro4500 Full Body Panel $2,999 $125/mo $83/mo $50/mo
LS Pro Systems Classic Pad Set $3,690 $154/mo $102/mo $62/mo
Hooga ULTRA4500 Full Body $3,999 $167/mo $111/mo $67/mo
Hooga ULTRA5400 Full Body $4,500 $188/mo $125/mo $75/mo
LS Pro Systems Sports Recovery Package $6,521 $272/mo $181/mo $109/mo
Commercial beds are a different conversation. The Body Balance PremierRLT ($69,997), the LS Pro MXP Power Bed PRO ($89,900), and the Prism Light Pod ($89,995) sit well past any consumer financing limit. Those go through the business lenders below. Call 866-861-6317 for a quote.

What you should know about Affirm before you apply

  • No hidden fees. Affirm shows your APR and total repayment before you confirm. That figure does not change.
  • No late fees and no prepayment penalty. Pay off the balance early at any time at no extra cost.
  • Soft credit check first. Checking your rate does not affect your credit score. A hard inquiry occurs only if you proceed with a monthly plan.
  • Instant decision. Most applications return a decision in seconds at checkout.
  • Credit reporting. Affirm reports to Experian and TransUnion. On-time payments help build credit.
  • US shipping address required.

How Does a Clinic or Med Spa Finance a Red Light Therapy Bed?

Quick answerA commercial red light bed costs $69,997 to $89,995, which is past every consumer financing limit. A med spa, tanning studio, or chiropractic practice finances it through Brickhouse Capital (up to $250,000 on a one-page application, no financial statements) or Reliant Capital (up to $500,000 application-only, 2 to 4 hour approval). For two or more beds, KWIPPED runs a competitive lender bid that usually returns a lower APR.

A commercial red light bed runs $69,997 to $89,995. Consumer financing has purchase limits that do not reach that, so a med spa, tanning studio, chiropractic practice, or recovery studio finances it through one of four business lenders.

The four business lenders compared

Lender Max without financials Max with financials Approval speed Underwrites Best for
Brickhouse Capital $250,000 (one-page application) $1M or more Within 24 hours The business, not personal credit Established practices that want ownership via an EFA
Reliant Capital Group $500,000 (application-only) Up to $5M 2 to 4 hours Practice cash flow Medical and wellness businesses, multi-location rollouts
Acorn Finance $100,000 Not applicable 60 seconds to prequalify Personal credit, 30+ lender marketplace Smaller tickets and soft-check comparison shopping
KWIPPED (APPROVE) Varies by lender bid Varies by lender bid 2 to 3 days for bidding Competitive lender bid Larger deals where a lower APR is worth the wait

Apply with 2 or more lenders to compare offers. Each one underwrites differently, so a decline from one is not a decline from all, and two offers give you a rate to negotiate against.

Brickhouse Capital
Equipment Financing
  • Private direct lender since 2003
  • Up to $250K with a 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
  • Underwrites the business, not your personal credit report
Call 866-861-6317 to apply
Reliant Capital Group
Equipment Leasing and Financing
  • Financing and leasing for medical, aesthetic, and wellness businesses
  • Up to $500K application-only, up to $5M with financials
  • New or used equipment
  • 3 to 24 month deferred payment options
  • 2 to 4 hour credit approvals
Apply with Reliant Capital
Acorn Finance
Lending Marketplace
  • Connects you with 30 or more lenders on one application
  • Loans from $1,000 to $100,000
  • Prequalify in 60 seconds with no impact to your 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
  • Terms from 12 to 60 months
  • Roughly 5% to 25% equivalent APR
  • Minimum equipment value $1,500. Businesses only.
Call 866-861-6317 for custom setup
Why apply with 2 lenders? Each one underwrites differently. Brickhouse focuses on business credit. Reliant considers 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.

Equipment Loan or Lease for a Commercial Red Light Bed?

Quick answerFor a red light therapy bed, an Equipment Finance Agreement gives immediate ownership and the cleanest Section 179 position. A fair market value lease has the lowest monthly payment and suits a med spa that expects to upgrade the bed within 5 years, which is common in this category as panel technology moves.
Option Ownership Monthly Cost Tax Treatment Best For
Equipment Loan (EFA) Immediate, day one Higher May qualify for Section 179 Businesses wanting ownership and the strongest tax position
$1 Buyout Lease End of term for $1 Medium Depreciation deductible over term Businesses managing cash flow in year one
Fair Market Value Lease Optional purchase at end Lower Lease payments as operating expense Businesses that want to upgrade equipment regularly
Working Capital Loan Not applicable, cash for buildout Higher rate Interest deductible as a business expense Buildout costs beyond the equipment: room prep, electrical, plumbing

Does Section 179 Apply to a Financed Red Light Therapy Bed?

Quick answerYes, a financed red light therapy bed can qualify for Section 179. Financing does not by itself disqualify it. The bed must be placed in service, not just ordered, within the tax year. Annual limits and eligibility rules are set by the IRS and change year to year, so confirm with your CPA.

Section 179 and financed equipment

Section 179 lets US businesses deduct the cost of qualifying equipment, including financed equipment, in the year it is placed in service. 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. Confirm the current-year figures and your eligibility with your CPA before making an equipment decision based on tax treatment.

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

Illustrative example 1, med spa adding one bed: a single Body Balance PremierRLT ($69,997). Assuming the full amount qualifies and a 32% marginal tax rate, the deduction would reduce tax by approximately $22,400, putting effective cost near $47,600. Your figures will differ.

Illustrative example 2, tanning studio converting two rooms: two Prism Light Pod beds ($89,995 each) = $179,990. On the same assumptions, the deduction would reduce tax by approximately $57,600. Note that large purchases can hit the annual Section 179 phaseout, which is why the figures must be confirmed with your CPA.

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

Do You Need a Panel, a Pad System, or a Full-Body Bed?

Quick answerPanels (Hooga, $139 to $4,500) point light at you and suit home users. Pad systems (LS Pro Systems, $585 to $6,521) wrap the joint and suit targeted pain or a PT clinic treating per-room. Full-body beds (Body Balance PremierRLT $69,997, Prism Light Pod $89,995) are the premium commercial tier and carry the highest per-session price in the category.
Home recovery user
Affirm, from approx. $20/month at 60 months

Personal use, general recovery and skin. A Hooga PRO 1500 ($1,199) or ULTRA 1500 ($1,399) panel is the standard entry point. Add to cart and select Affirm at checkout.

Athlete or full-body protocol
Affirm, 36 or 60-month terms

Daily full-body dosing. The Hooga Pro4500 ($2,999) or ULTRA5400 ($4,500) covers the whole body without repositioning. Roughly $50 to $75 a month over 60 months, assuming 0% APR.

Targeted pain or injury
Affirm or Acorn Finance

Pad-based systems wrap the joint instead of pointing at it. The LS Pro Systems Classic Pad Set ($3,690) or Sports Recovery Package ($6,521) is the clinical-tier home choice.

Chiropractic or PT practice
Brickhouse Capital or Reliant Capital

Adding a cash-pay recovery service. Pad systems scale per treatment room at a lower ticket than a bed. Brickhouse's one-page application up to $250K covers a multi-room fit-out.

Med spa
Brickhouse Capital or KWIPPED

A full-body bed is the premium tier and the highest per-session price in the category. The Body Balance PremierRLT ($69,997) and Prism Light Pod ($89,995) are the two to compare.

Tanning or bronzage studio
Acorn Finance or Brickhouse Capital

The easiest conversion in the category. The room, the electrical, and the membership model already exist. Swap a bed, keep the booking system.

Recovery studio or gym
KWIPPED or Reliant Capital

Multiple panels or a bed plus panels for throughput. KWIPPED's competitive lender bid usually returns the best APR above $75K.

Multi-location operator
Reliant Capital

Rolling beds out across sites. Reliant handles up to $5M with financials.

How Do You Apply for Red Light Therapy Financing?

Quick answerFor a home panel, add it to the cart and select Affirm at checkout. Decision in 60 seconds. For a commercial bed, call RecovAthlete at 866-861-6317 for a quote first, then apply with 2 of the 4 business lenders. The quote is what goes on the application.
  1. Call RecovAthlete first. For multi-unit or multi-category orders, call 866-861-6317 for bulk pricing before applying. The quoted price is what goes on the financing application.
  2. Choose 2 lenders. Applying with 2 lets you compare offers before signing.
  3. Pre-qualify online. All four lenders offer pre-qualification with a soft credit check.
  4. Prepare your documents. Typically needed: business EIN, recent bank statements, proof of revenue, and a formal quote from RecovAthlete.
  5. Submit and await approval. Brickhouse Capital: 24 hours. Reliant Capital: 2 to 4 hours. Acorn Finance: minutes. KWIPPED: 2 to 3 days for lender bidding.
  6. Receive the equipment. Once approved and the order is placed, delivery proceeds on the normal schedule.

When Should You Not Finance Red Light Therapy?

Quick answerDo not finance red light therapy if the purchase is under $1,000 (pay cash), if you have not compared irradiance at treatment distance rather than sticker price, or if you are buying a commercial bed without confirming the 20A dedicated circuit, room ventilation, and door clearance to get it in.

Financing works for most buyers. Five situations where paying cash or waiting is smarter.

  • Purchase under $1,000. Affirm monthly plans start at $1,000. Below that you are on Pay in 4, which is fine, but at a $139 to $599 ticket the paperwork is not worth it. Pay cash.
  • You have not confirmed irradiance and coverage. Price per watt varies enormously in this category, and a cheap panel with weak output at treatment distance is worse value than a stronger panel that costs more. Compare irradiance at distance and total coverage area before you compare monthly payments.
  • Credit score under 600. Expect the top of the 0% to 36% APR range on Affirm. On a $1,200 panel, that interest is real money against a small ticket. Wait 6 months and pay cash.
  • Buying a commercial bed with no room for it. A full-body bed needs a dedicated 20A circuit, room ventilation, and enough floor and door clearance to get it in. Get an electrician to confirm before you finance $70,000 of equipment that cannot be installed.
  • No session pricing model. A $69,997 bed at roughly $1,167 a month over 60 months, before interest, needs about 30 to 40 sessions a month at $30 to $40 to cover the payment. Set the session price and the membership tier before you sign.

Red Light Therapy Financing FAQ

Can I finance red light therapy at RecovAthlete?
Yes. Anything over $35 qualifies for Affirm Pay in 4. Anything over $1,000 qualifies for Affirm monthly financing, which covers most panels, pods, and pad systems. Commercial beds go through Brickhouse Capital, Reliant Capital, Acorn Finance, or KWIPPED.
What is the monthly payment on a red light panel?
Assuming 0% APR via Affirm, for comparison: a Hooga PRO 1500 ($1,199) is approximately $20 a month over 60 months. A Hooga Pro4500 ($2,999) is approximately $50 a month. A Hooga ULTRA5400 ($4,500) is approximately $75 a month. An LS Pro Sports Recovery Package ($6,521) is approximately $109 a month. Affirm rates range from 0% to 36% APR based on credit, so your actual payment may be higher.
How much does a commercial red light therapy bed cost?
The Body Balance System PremierRLT is $69,997. The LS Pro Systems MXP Power Bed PRO is $89,900. The Prism Light Pod is $89,995. All three are financed through the business lenders, not through Affirm. Call 866-861-6317 for a quote.
Can a med spa finance a red light bed?
Yes. This is exactly what business equipment financing is for. Brickhouse Capital funds up to $250,000 on a one-page application with no financial statements, which covers a single bed comfortably. Reliant Capital goes to $500,000 application-only if you are buying more than one.
Does Section 179 apply to a financed red light bed?
Financed equipment 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.
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.
Can freight and install be financed?
Yes. For Affirm, delivery is included in the order total at checkout. Commercial beds ship LTL freight and usually need install support. Put freight and install on the RecovAthlete quote and the whole quote amount goes on the business financing application.
Can I pay off my plan early?
Yes. Affirm charges no prepayment penalties. Acorn Finance and most business lenders also allow early payoff. Brickhouse and Reliant lease agreements may include a small early buyout fee. Confirm before signing.

Not sure whether you need a panel, a pad system, or a bed?

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

  • Irradiance and coverage math so you are comparing output at treatment distance, not sticker price
  • Panel vs pad vs bed which format fits your use case, your room, and your budget
  • Electrical and room requirements before you finance a bed that cannot be installed
  • Session pricing and payback what a commercial bed needs to bill monthly to cover the payment
  • Lender fit which 2 of the 4 to apply with based on your business profile
  • Section 179 discussion so you can take the numbers to your CPA

Three ways to reach RecovAthlete:

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 a pre-call questionnaire.
info@recovathlete.com for written questions

RecovAthlete is an authorized dealer for Hooga, LS Pro Systems, Body Balance System, Prism Light Pod, and ORB Life. We work with Affirm for personal purchases and four business lenders for clinics and studios, and we handle freight, install support, and post-sale service directly.

Related resources

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 is 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.