FLEXIBLE PAYMENT OPTIONS

Pay Over Time. Train Sooner.

Three financing partners cover orders from $35 to $30,000. Commercial buyers get a separate path with multi-year terms. No paperwork. No phone calls. Decision at checkout.

See your options Try the calculator

Afterpay $0 - $4,000 · 4 payments · 6 weeks

Shop Pay $35 - $30,000 · Up to 24 months

Affirm $2,000 - $30,000 · 3-36 months

Commercial $30K+ · Multi-year terms

FOR PERSONAL ORDERS

Three ways to spread the cost

Pick the option that fits your order size and timeline. All three have soft credit checks at decision time, so checking eligibility doesn't impact your score.

PAY-IN-4
Afterpay

Buy now, pay over 6 weeks in 4 equal installments. Quickest no-interest path for accessories and smaller equipment.
- Range$0 - $4,000
- Term6 weeks
- Payments4 equal
- Interest0% if on-time
- No interest, no fees if paid on time
- Approval decision in seconds
- Soft credit check only — no impact
- Dumbbells, smaller equipment, accessories
Best for Sub-$1K orders. Quick, no-fee, low-friction.
FLEXIBLE TERMS
Shop Pay Installments

Two installment paths in one option: 4 interest-free payments OR up to 24 months with fixed monthly payments. Most flexible mid-ticket option.
- Range$35 - $30,000
- TermUp to 24 months
- Payments4 or monthly
- Interest0% pay-in-4 / 0-36% APR
- Two paths: 4-payment plan OR monthly installments
- Pay-in-4: 0% interest, no fees
- Monthly: rate based on credit profile
- Mid-ticket racks, benches, cardio, recovery
Best for $1K - $30K orders. Most flexible plan options.
LARGE PURCHASES
Affirm

Long-term financing for premium racks, full home gym builds, and recovery setups. Pre-qualify without affecting credit score.
- Range$2,000 - $30,000
- Term3 - 36 months
- PaymentsFixed monthly
- Interest0 - 36% APR
- Pre-qualify without impact on credit score
- Fixed APR locked at checkout — no surprises
- Longer terms keep monthly payments low
- Premium racks, full home gym builds, recovery suites
Best for $2K+ orders with longer payback timelines.

FOR BUSINESSES

Commercial Financing on $30K+ Orders

For commercial gym builds, hotel fitness centers, corporate facilities, and multi-location rollouts, we work with a dedicated commercial fitness lender. Equipment, fixtures, and installation labor all qualify, with multi-year terms structured to match your operating budget.

Equipment, fixtures, AND installation labor financeable
2 to 7-year fixed terms available
Equal monthly payment structure for predictable budgeting
Section 179 tax benefits often available — consult your CPA
Soft pre-qual won't affect business credit score

PAYMENT CALCULATOR

See what each option looks like

Drag the slider or type an amount. We'll estimate your monthly payment across all available options. APRs shown are typical mid-range estimates — your actual rate depends on credit profile.

Order amount

$100 $5K $15K $30K $50K

Afterpay 4 payments / 6 weeks

$625 every 2 wks
Total: $2,500 · 0% APR
Shop Pay (4 payments) 4 payments / 6 weeks

$625 every 2 wks
Total: $2,500 · 0% APR
Shop Pay (12-month) ~15% APR estimate

$226 / month
Total: $2,712
Affirm (24-month) ~15% APR estimate

$121 / month
Total: $2,915

Estimates only. Actual approval, term, and APR are determined at checkout based on your credit profile. Eligibility varies by amount.

HOW IT WORKS

3 steps. Zero phone calls.

01
Add to cart

Build your order on the site like normal. Authorized-dealer pricing, full warranty, and white-glove service available on every cart.
02
Choose at checkout

Pick Afterpay, Shop Pay, or Affirm at checkout. Soft credit check, instant decision. No phone calls, no paperwork.
03
Pay over time

Automatic payments deducted from your card or bank. Pay early at any time without fees. Equipment ships immediately on approval.

COMMON QUESTIONS

Financing FAQ

Will applying affect my credit score?

Initial decisions are made via soft credit check, which does not affect your score. A hard inquiry may apply when you accept a long-term loan offer (typically Affirm 12+ month plans). Pay-in-4 plans never trigger a hard pull.

Are there hidden fees?

No. Pay-in-4 plans are 0% interest with no fees if paid on time. Long-term Affirm and Shop Pay loans show your full APR and total cost upfront before you accept. Late fees may apply if you miss a payment — exact terms vary by partner.

What if I need to return an item?

Returns are processed normally per our return policy. Once we issue a refund to the financing partner, your balance is reduced or eliminated. You may want to continue scheduled payments until the refund processes (typically 5-10 business days) to avoid late fees.

Can I pay early?

Yes. All three partners allow early payoff with no prepayment penalty. On long-term Affirm loans, paying early reduces your total interest paid.

Do you offer Klarna or Sezzle?

Not currently. We carry Afterpay, Shop Pay Installments, and Affirm because they cover the full $35-$30,000 range and have the strongest customer service for fitness equipment buyers. We may add others in the future based on customer demand.

Is financing only available to US buyers?

Yes. All three partners require a valid US billing address, US debit card or bank account, and US Social Security Number for long-term loans. International buyers can use credit cards directly at checkout.

What's the minimum order for financing?

$35 for Shop Pay's pay-in-4 path. Afterpay starts at $1. Affirm starts at $2,000. Commercial financing requires $30,000 minimum. Most home gym buyers fall comfortably into the Shop Pay or Affirm range.

Can I combine financing with a discount code?

Yes. Financing is applied at checkout AFTER any discount codes, so the financed amount is your post-discount total. Stack a welcome discount with Shop Pay's pay-in-4 plan and pay the discounted amount over 6 weeks at 0% interest.

READY TO TRAIN