Advanced Search

Buy Now, Pay Later: The Best Financing Options for Treadmills

Salmon Pink and Black runners on a treadmill

Are you ready to commit to getting fit – but your bank account has other ideas? No problem. We’ve done the research and found the top fitness equipment companies that offer quick and easy treadmill financing.

What are the perks of financing your fitness purchase? You can buy now with just a few clicks and often with no down payment, so you make the most of your buying power. Plus, there’s zero interest if you pay off your purchase within the allotted time.

Check out our list of top fitness companies that offer treadmill financing, along with a few awesome “best buy” treadmills to help you crush your fitness goals.

NordicTrack Financing

When you’re making a big purchase, you want to buy from a name you trust – and NordicTrack is definitely on that list. This top international brand is owned by ICON Health and Fitness and produces durable, high-quality exercise equipment that fitness buffs love.

At NordicTrack, you can afford the new you with their special treadmill financing options, which are available every day. With no money down, NordicTrack makes it quick and easy to secure financing online.

This online account management system is one of the best – you can pay your bill, view your statements, and more without any dialing or being put on hold. Plus, you get exclusive benefits once you sign up!

Not sure which NordicTrack treadmill to buy? Check out the NordicTrack Commercial 1750 – year after year, this powerful machine gets put on our best buy list! With a strong, quiet motor, a flawless touchscreen control panel, and iFit Coach compatibility, it’s easy to see why we consider this treadmill one of the year’s best buys.

Current Financing Details:

  • No money down
  • 0% APR for 12, 36, 39, 43, or 44 months with equal payments.
  • Standard purchase APR 29.99%.
  • Subject to credit approval.
  • Financed through TD Bank, N.A.

ProForm Financing

ProForm is also manufactured by ICON Health and Fitness and is a brand known for its high-end features and outstanding performance. Plus, there’s a ProForm treadmill for every budget.

For treadmill financing, ProForm offers a similar package as NordicTrack. With no money down and fast online service, ProForm makes it easy to get started right away and achieve your fitness goals. Plus, the online account management tools offer a seamless process from start to finish.

This excellent fitness company offers another of our best buy picks – the ProForm SMART Pro 9000. Its interactive training experience through iFit, combined with a variety of challenging programs, will satisfy even the most serious runners.

Current Financing Details:

  • No money down
  • 0% APR for 12, 36, or 39 months with equal payments.
  • Standard purchase APR 29.99%.
  • Subject to credit approval.
  • Financed through TD Bank, N.A.

Bowflex Financing

We’ve all heard of Bowflex – this company is a home fitness pioneer! Today, Bowflex produces a range of exercise equipment, including treadmills, home gyms, ellipticals, and more. This company is known for its easy-to-use machines that get results fast.

Bowflex does things a little differently than the other companies – in order to obtain treadmill financing, you apply for a Bowflex credit card. Once approved, there is no money down and no interest on any treadmill purchased with your credit card and paid in full within 18 months.

It’s a very quick online process – you can buy within minutes! And there are also some online account management tools available through the bank (Desjardins Financial Group) website.

One of our Bowflex top picks is the Max Trainer M8. This brand new machine is a cross between a stair stepper and an elliptical, and comes with Max Intelligence – a platform that offers you a “personal trainer” experience.

See something else you can’t live without? You can use your credit card for other Bowflex purchases as well without needing to reapply for financing.

Current Financing Details:

  • No money down
  • 0% APR for 18 months with monthly payments.
  • Standard purchase APR 29.99%.
  • Subject to credit approval.
  • Financed through Synchrony Bank, Vive Financial, and Genesis Credit.

Horizon Fitness Financing

Horizon Fitness specializes in exercise equipment for your home and is a great option for buyers on a budget. Although many of the machines from this brand don’t offer a lot of bells and whistles, they pack in all the features you need for a solid workout.

Horizon offers 0% introductory rates for qualified customers, and you can apply on their website for instant approval without impacting your credit score. Based on your unique needs and lifestyle, they’ll match you with the appropriate lender with no hidden fees or surprises.

For runners looking for a decent treadmill under $1,000, check out the Horizon 7.0AT. This treadmill is built for runners and provides challenging workouts on a durable machine that is strong enough for heavy use.

Current Financing Details:

  • 0% APR for qualified customers.
  • Subject to credit approval.
  • Financed through Citizens Bank and Genesis Credit.

Don’t wait to get started on your fitness journey – get going today with these awesome financing deals!


  • Reinaldo Mercado December 4, 2020 at 7:02 pm from New Britain CT.
    I am truly interested and would to purchase as a Christmas Gift for my wife as well for the both of us.
  • Patricia Widner July 8, 2020 at 4:29 pm from russellspringsky
    i would love to finance a tread mill
    • FitRated July 22, 2020 at 10:39 am
      Hi Patricia, different brands have different financing options. Do you know which treadmill you'd like to get? Financing information will be available on each retailer's website. Make sure you check out our treadmill reviews to find the best one for you:
  • Sonya Anderson April 21, 2020 at 11:06 am
    I will like to finance a treadmill with not so good credit. I have been on my job for 13 years and I'm able to afford monthly payments.
    • FitRated April 30, 2020 at 4:07 pm
      Hi Sonya, you would have to check with each retailer. Information on financing will be on their website!

Leave a Reply

Your email address will not be published.

This site uses Akismet to reduce spam. Learn how your comment data is processed.