Compare payment options

Option What it is How to use it
Synchrony Financing through a Synchrony credit account. Select it at checkout, or call your local Treadmill Outlet for help qualifying.
Affirm Buy now, pay over time on carts of $35 or more. Rates 0–36% APR, subject to an eligibility check. Select Affirm at checkout.
Shop Pay Installments Pay in full or in installments, subject to eligibility. Select Shop Pay at checkout.
PayPal Pay in 4 / Pay Monthly Interest-free bi-weekly payments, or monthly payments. Select PayPal at checkout.
Truemed (HSA/FSA) Use HSA/FSA funds on eligible products with a Letter of Medical Necessity, after a short health assessment. Choose “Pay with HSA/FSA funds” at checkout.
Other payment methods Not financing: major credit cards, Apple Pay, Google Pay, wire/ACH and invoice. Some options are available only by phone or email.

Details for each option are below.

Use Your HSA/FSA for Your Next Treadmill Outlet Purchase

All You Need is a Letter of Medical Necessity (LMN)

An LMN is a healthcare provider–approved document that confirms your purchase supports a specific medical need. It allows you to use your HSA or FSA funds on eligible fitness products based on your current or previous health conditions.

Buy now, pay over time

Checking your eligibility won't affect your credit.

Quick Easy Steps

  1. Load your cart with at least $35 worth of fitness equipment and select Affirm at Check Out
  2. Log in or Sign up for an account with Affirm
  3. Pick your plan and Submit your order. That's it!

Rates between 0-36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. Loan payment(s), including interest, may be due before the merchant provides all services. You may not receive a rebate of any interest that may have already accrued on an amount that later gets refunded. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm and its lending partners do business in accordance with federal Fair Lending laws. Unless prompted for a registered business name at application, Affirm loans are primarily for personal, family, or household use only.

Trumed 

Save with Treadmill Outlet with qualifying HSA/FSA Funds

Quick Easy Steps

  1. Choose “Pay with HSA/FSA funds” at checkout
  2. Take a brief Health Assessment

A quick, private health survey. A licensed provider will review your answers to determine eligibility.

Complete your purchase

Pay with your HSA/FSA card or a credit card. If you use a regular credit card, follow the guide included with your LMN to submit your purchase for reimbursement.

Available at check out for a fast, secure and easy checkout experience. Inside ShopPay there is Shop Pay Installments for a Pay as you go option

  1. Select "Shop Pay – Pay in full or in installments" in the Payment section at checkout.
  2. When prompted, choose Pay in installments and complete any required verification.
  3. Review the plan shown in Shop Pay, then confirm to place your order.

***Installments can be unavailable based on eligibility, purchase amount, or card/bank rules. If you don't see the option, try another Option.***

Interest-free bi-weekly payments, starting today. No impact on credit score and no late fees. Available for purchases of $1,000+. Choose PayPal at checkout to pay later with Pay in 4.


As low as 0% APR for up to 6 months. No down payment, no late fees. Use autopay for the rest of your payments. It’s easy!

1. Choose PayPal at checkout to pay later with Pay Monthly.

2. Get a decision in seconds and complete your purchase.

3. Use autopay for your payments. It’s easy!

Other

Not Financing. Must be paid in Full, some options are only available via Phone or Email

  1. Most Major Credit Cards
  2. Apple Pay
  3. Google Pay
  4. Wire/ACH

Invoice (using your own lender) 

FAQs

How does using my HSA/FSA save me money?

HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition.

Because HSA/FSAs use pre-tax money, you’re getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in root cause interventions

Does PayPal Pay Later Hurt My Credit?

No, PayPal performs a Soft credit check. This will not be shared with any other lenders. 

What is ShopPay? 

A streamlined checkout service by Shopify. It securely stores your information for your next shopping experience, making upgrading your gym quick and painless. 

Can I call Treadmill Outlet to assist with my Synchrony Credit Qualification? 

Yes! You may call any Treadmill Outlet location and someone will assist you through the qualifying process, or if you are in the area, stop by your local Treadmill Outlet.

Why Finance?
  • Start your fitness journey now
  • Secure and Fast approvals
  • Flexibility. Split your payments in smaller more manageable chunks