Flexible Financing Options. LEARN MORE
FINANCE YOUR GYM EQUIPMENT YOUR WAY WITH AFFIRM-BREAD OR PAY TOMORROW
3 Different Options for all types of credits. Our flexible financing plans lets buyers spread their payments out no matter what their credit is.
Choose Affirm or Split-it at checkout to buy now, pay later. You can apply for financing at one or all of the lenders to see which one fits you best. The Affirm and Bread Payment applications are soft pull inquiries that do not show up on your credit. Pay Tomorrow lends up to $20,000 and you can spread that over a 48 month term. Please contact us if you need help with the application process or if you aren’t sure which one to choose.
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Common Questions

Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments.

Here are the steps in the Affirm loan application process:

  1. Select to pay with Affirm at checkout.
  2. Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent information otherwise you may experience difficulty with your checkout.
  3. To ensure that you’re the person making the purchase, Affirm will send a text message to your cell phone with a unique authorization code.
  4. Enter the authorization code into the application form.
  5. Within a few seconds, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over time. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
  6. If you would like to accept Affirm’s financing offer, click “Confirm Loan” and you’re done.

Going forward, you’ll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date we the merchant completes processing your order.

Yes, when you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment.
Please follow these steps to make a payment:

  • Go to www.affirm.com/account
  • You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
  • Enter this security pin into the form on the next page and click “Sign In.”
  • You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
  • You can make a payment utilizing a debit card or ACH bank transfer.
Affirm payment subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See www.affirm.com/faqs for details.
Note: It should only say “Your rate will be 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.

Pay over time

Clear, transparent terms. Fair rates. No prepayment penalties.

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Financing Available

We provide easy and affordable financing through our partner, Bread, so you can pay for your purchase over time.

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Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

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No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

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Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.

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Common Questions

You can apply via the website of any participating store.

Step 1
Shop Online
Add items to your cart and provide a few pieces of information to begin the checkout process.

Step 2
Select Pay-Over-Time at Checkout

Step 3
Get a decision quickly without affecting your credit score. Confirm your plan.

You can apply via the website of any participating online store.

When you’re ready to buy, click on Bread’s® financing button to get your rate in seconds.

If you pre-qualify, you will be presented with the financing terms offered and sample payment amounts. Add the item to the retailer’s shopping cart and choose Bread® or “Pay Over Time” as your preferred method of payment when you check out.

We are committed to delivering a dignified customer experience and treating you with respect. Bread® loans include straightforward, easy-to-understand terms. Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget.

Safeguarding your information is of the utmost importance to us. We are committed to keeping your personal information secure. Data is encrypted in transit and at rest.

Financing for all credit types!

Qualified Customers Pay Over Time with 0% APR offers*

We provide easy and affordable financing through our partner PayTomorrow, so you can buy today and PayTomorrow!

Why use ?

Won't affect your credit

PayTomorrow's soft pull credit check will not affect your credit score to apply.

Affordable monthly payments

PayTomorrow offers flexible financing options with fair and transparent pricing.

Instant evaluations

PayTomorrow instantly evaluates your credit profile and presents you with a customized offer.

Check your rate now without leaving our site!

Full Credit Spectrum Financing