Gym Equipment Financing
Spread the cost of commercial equipment over 12–60 months, lease it for your facility, or buy on terms — pick the payment path that fits how you operate.
Ways to pay
Every option below is available on the full catalog — new and remanufactured alike. Not sure which fits? Ask usand we'll walk you through it.
Consumer pay-over-time
Split your purchase into fixed monthly installments through our third-party lending partner, available on request for qualifying orders. Check your rate with a soft credit pull that does not affect your score, choose 12, 24, 36, 48 or 60 months, and see the exact payment before you commit. Qualifying customers may see 0% APR promotional terms on select purchases.
- Request it at checkout — we send the application with your invoice
- No prepayment penalty — pay it off any time
- Available on orders from $250 up to $25,000
Commercial equipment leasing
Gyms, studios, hotels and clinics can lease equipment through our commercial finance partners instead of tying up capital. Applications are business-based (tax ID required), typically approved within 1–2 business days, and lease payments are often deductible as an operating expense — ask your accountant.
- Terms from 24 to 60 months, $1,000 minimum
- $1 buyout and fair-market-value structures available
- Bundle equipment and white-glove installation into one payment
Net-30 terms for institutions
Schools, universities, government agencies, and military facilities can purchase on purchase order with net-30 payment terms. Send us your PO and a quote request — we'll return a formal quote with free freight included, plus a W-9 and any vendor paperwork your purchasing office needs.
Pay in full
Pay by direct bank transfer (ACH or wire), credit card (Visa, Mastercard, American Express) via the secure link on your invoice, Zelle, Chime or Apple Pay. Wire and ACH orders ship once funds clear — common on multi-machine cardio packages. Full details onPayment Methods.
Using your own lender or bank? No problem. We'll prepare a formal invoice, equipment serial numbers and any supporting paperwork your financing company requires.
How financing works
- Build your quote
Add machines to your cart or request a quote. For commercial leases we'll include white-glove installation so your payment covers everything — standard liftgate freight is free.
- Apply in minutes
Consumers check their rate with a soft pull once we send the application. Businesses complete a short credit application — most decisions come back within one to two business days.
- We ship, you pay monthly
Once approved, your order is handled in 1–3 business days and ships on the normal delivery timeline. Your first payment is typically due about 30 days after funding.
Example monthly payments
Real machines from our catalog at an illustrative 9.99% APR. Your actual rate and payment are set by the lender based on credit and term.
| Product | Price | 36 mo | 48 mo | 60 mo |
|---|---|---|---|---|
| Precor AMT 835 with Open Stride w/P30 Console (Remanufactured) | $3,009 | $97/mo | $76/mo | $64/mo |
| Cybex 770AT Total Body Arc Trainer w/E3 Console (Remanufactured) | $3,149 | $102/mo | $80/mo | $67/mo |
| Woodway 4Front Treadmill (Remanufactured) | $5,669 | $183/mo | $144/mo | $120/mo |
| Bowflex Treadclimber TC5000 (Remanufactured) | $2,449 | $79/mo | $62/mo | $52/mo |
Illustrative example only, calculated at 9.99% APR with $0 down; excludes tax and white-glove installation (standard freight is free). Financing is subject to credit approval by our lending partners, and available rates range from 0% to 36% APR depending on eligibility, term and purchase amount. This is not an offer of credit.
Financing FAQ
Does checking my rate affect my credit score?
No. The consumer pre-qualification uses a soft credit inquiry, which is visible only to you. A hard inquiry occurs only if you accept a plan and complete the purchase.
Can I finance remanufactured equipment?
Yes — every financing and leasing option applies equally to remanufactured machines. Since remanufactured units run up to 60% below the price of new, the monthly payments are dramatically lower for the same commercial hardware.
Is there a penalty for paying off early?
Consumer installment plans have no prepayment penalty — pay the balance any time and you stop accruing interest. Commercial leases vary by structure; ask us for the payoff terms before you sign.
What does a commercial lease application require?
A business tax ID, time in business, and basic financial information. Newer businesses may be asked for a personal guarantee. Approvals typically come back in 1–2 business days, and equipment ships as soon as documents are signed.
Can installation be included in financing?
Yes. Standard liftgate freight is free, and white-glovedelivery & installation can be bundled into the financed amount for one predictable monthly payment.
Do you offer 0% APR promotions?
Our lending partner periodically offers 0% APR promotional terms to qualifying customers on select purchase amounts. If a promotion is active you'll see it when you check your rate at checkout.
Ready to apply?
Tell us what you're buying and whether it's for home or business — we'll route you to the right application and have numbers back to you fast.
Talk to an equipment specialist
Real people who know the machines. Questions on fit, freight, financing or warranty — call, email or send us a note and we will get back to you within one business day.