Financing Options
Train Now, Pay Later: 0% APR Financing Powered by Shop Pay
Ready to upgrade your gym without emptying your wallet? My Fitness Outlet now offers interest‑free monthly payments at checkout through Shop Pay Installments, serviced by Affirm. Split any purchase from $35–$30,000 into smaller bites—keep your cash flow strong while your fitness goals stay on track.
Why Choose Shop Pay Financing?
- 0% APR on qualifying plans—no hidden fees or compounding interest.
- Instant approval decision* in seconds—no lengthy forms.
- Flexible terms: 4 bi‑weekly payments or monthly plans up to 24 months (amount‑dependent).
- No late fees—ever. Missed payments won’t pile on extra costs.
- Easy autopay inside the free Shop app—plus SMS & email reminders so you’re never caught off‑guard.
How It Works at Checkout
- Add your gear to cart and proceed to checkout.
- Select Shop Pay as your payment method.
- Choose the Pay in Installments option and review the schedule (0% APR when displayed).
- Complete a quick application—Affirm performs a soft check (no impact on credit score).
- Make your first payment (or down payment, if required) and the order ships in 1–3 business days.
- Track future payments in the Shop app or online—pay early anytime to save.
Who’s Eligible?
Basic Criteria
- Resident of the U.S. or Canada (excl. Quebec).
- 18+ (19+ in AL, NE, BC, NB, NL, NT, NS, NU, YT).
- Order total between $35–$30,000.
- Checkout in USD.
- Use a supported debit card or (for bi‑weekly plans) credit card.
*Capital One, Chase, and prepaid cards aren’t accepted.
What’s Not Eligible
- Subscriptions or B2B orders.
- Gift cards or digital currency purchases.
- APO/FPO, P.O. box, or international shipping addresses.
- Digital wallets (Apple Pay, Google Pay) at checkout.
Plan Options & Example
| Purchase Amount | 4‑Pay (Bi‑Weekly) | Monthly Plans |
|---|---|---|
| $800 Home Gym Bundle | 4 × $200 (0% APR) | 6 × $133.34 (0% APR) |
| $3,200 Commercial Treadmill | — | 12 × $266.67 (0% APR) |
| $9,000 Infrared Sauna | — | 24 × $375 (0% APR) |
Actual offers shown at checkout. Down payment may apply. Rates from 0–36 % APR (U.S.) or 0–31.99 % APR (Canada). Subject to eligibility by Affirm.
Quick Financing FAQs
Will applying affect my credit score?
No. Affirm performs a soft credit check that doesn’t impact your score.
Is 0% APR guaranteed?
0% APR appears for many qualifying carts—but final terms depend on your credit and the amount financed. All options are shown before you commit.
Can I pay off early?
Yes, pay any time in the Shop app without penalties—and save on interest if you have a rate above 0%.
What if I return my order?
We’ll process the refund. Affirm automatically adjusts your loan—any payments made beyond the refunded amount go back to your original card within 3–10 business days.
Ready to Level‑Up Your Training?
Shop Now & Split the Cost
Questions? Chat live or email help@myfitnessoutlet.com. Our financing experts reply in under two minutes.
*Subject to eligibility check and approval. For financing details, see affirm.com/licenses. My Fitness Outlet is an authorized retailer; loans are serviced by Affirm. State taxes, shipping, and other fees may apply.