Financing Options

Pay Over Time With Shop Pay Installments

Split purchases from $35 to $30,000 into smaller payments at checkout with Shop Pay Installments, serviced by Affirm. Checking your eligibility won't affect your credit score, and you'll see your exact rate and payment schedule before you commit.

Plan Options

  • Biweekly, interest-free: 2 payments on orders of $35 to $50, or 4 payments on orders of $50 to $999.99.
  • Monthly: 3, 6, 12, 18 or 24 months on orders of $150 to $30,000, at 0% to 36% APR based on eligibility.
  • Down payment: orders over $20,000 need a down payment.
  • No late fees, and you can pay early at any time without a penalty.

How It Works at Checkout

  1. Add your equipment to the cart and go to checkout.
  2. Choose Shop Pay, then Pay in installments.
  3. Answer a few quick questions; Affirm gives you a decision in seconds.
  4. Pick your plan and make your first payment, or a down payment if one is required.
  5. We ship your order on the lead time shown on the product page. You manage payments in the Shop app.

Who's Eligible

  • U.S. residents aged 18 or older (19 in Alabama and Nebraska).
  • Orders between $35 and $30,000, paid in USD and shipped to a U.S. street address (no P.O. boxes or APO/FPO addresses).
  • Not available for business (B2B) orders or gift cards.

Financing FAQs

Will checking my eligibility affect my credit score?

No. Affirm runs a soft credit check, which doesn't affect your score.

Will I get 0% APR?

Biweekly plans are always interest-free. Monthly plans range from 0% to 36% APR, depending on your eligibility and the amount you finance. You'll see your rate before you commit.

Can I pay off early?

Yes. Pay any time in the Shop app with no prepayment penalty.

What if I return my order?

Returns follow our Refund Policy. Once we process your refund, Affirm adjusts your loan, and anything you've paid beyond the new balance goes back to your original payment method. Interest you've already paid isn't refunded.

Shop equipment
Questions? Our AI chat assistant answers 24/7, or email help@myfitnessoutlet.com and our team will reply within 1 business day.

Subject to an eligibility check and approval by Affirm. Rates from 0–36% APR; a down payment may apply; actual offers are shown at checkout. For licensing details, see affirm.com/licenses. My Fitness Outlet is an authorized retailer; loans are serviced by Affirm. Taxes, shipping and other fees may apply.