It's Time To Invest In Yourself With NordicTrack Financing

Updated April 2026

If you’re planning a home gym, know this first: financing changes what you can buy today. This page explains the financing options available at checkout, what the terms usually look like, how to apply, and how financing fits into the overall purchase—including iFIT membership and bundles.

Financing terms – quick summary

• Issuer: Financing is provided by a third-party lender and subject to credit approval through the issuing bank. Rates and promotional offers vary by lender. See the full disclosure below before applying.

• Typical promotional APR: 0% for a fixed period (length depends on offer and credit approval).

• Typical standard APR: Non-promotional rates can be much higher; 29.99% is a common example. Exact rates depend on the lender and your credit profile.

• Term lengths: Promotional terms often range from 12 to 44 months, depending on the program.

• Down payment / minimum purchase: Many promotional offers require no down payment and have no minimum purchase, though this varies.

• How to apply: Select financing at checkout; prequalification typically uses a soft credit inquiry. Final approval may require a hard inquiry.

Promotional 0% APR offers, standard APRs (for example, 29.99%), term lengths, and eligibility depend on credit approval through the issuing lender. Promotional terms require on-time payments and may require paying the full balance before the promotional period ends to avoid interest. See the full terms at checkout and in your Cardholder Agreement before accepting any offer.

How to apply – 6 simple steps

1. Choose items and add them to your cart at NordicTrack.com. Use the product or category links below.

2. At checkout, select the financing option you prefer (NordicTrack financing or a third-party option).

3. Prequalify (soft inquiry). Enter your basic information to see potential offers without affecting your credit score.

4. Review approved terms. If you qualify, you’ll see the APR (or promotional 0% offer), term length, monthly payment, and disclosures.

5. Accept the offer and complete your purchase. Accepting usually triggers a hard inquiry for final approval.

6. Manage payments with the issuing lender through the online portal linked in your welcome email or statements, or contact NordicTrack customer service for help.

Compare common options

Note: Terms, issuers, and rates change. Always review the specific offer shown at checkout.

• NordicTrack financing (lender-specific program)

• Affirm / other BNPL partners

• Third-party installment lenders (Klarna, etc.)

At checkout, compare offers carefully. Minimum purchase amounts, down payments, and bundle coverage differ by lender. Choose what fits your budget and timeline.

What you can finance

NordicTrack financing applies to eligible equipment purchases. You can finance one or multiple machines in a single transaction when the offer covers the total purchase.

• Treadmills – iFIT-enabled treadmills with adjustable incline and decline. Shop treadmills

• Exercise bikes – upright, recumbent, and studio bikes for low- or high-intensity workouts. Shop exercise bikes

• Ellipticals – full-body cardio machines for low-impact training. Shop ellipticals

• Rowers – compact machines for full-body conditioning. Shop rowers

• Pilates reformers and strength equipment – eligible items may be included in the same financing transaction. Explore reformers and strength options

• Bundles – equipment bundles are generally eligible, allowing you to finance a complete home gym in one purchase. Shop equipment bundles

Include iFIT membership in your budget

Most NordicTrack equipment works with iFIT. iFIT offers trainer-led workouts, automatic adjustments, and tracking. iFIT membership is billed separately from equipment financing. Current iFIT Pro membership pricing is $39/month, or look for multi-year discounts. Factor this cost into your monthly budget when choosing a financing term.

Example: what 0% APR saves you

• Scenario A – $2,000 at 0% APR for 24 months: monthly payment ≈ $83.33; total paid = $2,000.

• Scenario B – $2,000 at 29.99% APR for 24 months: monthly payment ≈ $111.80; total paid ≈ $2,683.20.Difference: about $683 in additional interest over 24 months at 29.99% APR. Actual payments depend on your APR and term. Promotional 0% eliminates interest only if payments follow the promotional terms.

If you don’t pay off the promotional balance

If the full promotional balance isn’t paid before the period ends, standard interest may apply to the remaining balance per your Cardholder Agreement. Review the lender’s terms before accepting any offer.

Managing your account and customer service

• Account management: Use the issuing lender’s online portal (link in your welcome email or billing statements).

• Questions about orders or financing: Contact NordicTrack customer service at 1-833-680-4348 or use chat. Contact us.

Notes and eligibility

• Prequalification uses a soft inquiry in most programs; it doesn’t affect your credit score. A hard inquiry happens when you accept an offer.

• NordicTrack does not set a minimum credit score. Approval is decided by the issuing lender based on their criteria.

• Bundles: To finance multiple items, add them to your cart in the same transaction and confirm the offer covers the total before accepting.

• Late or missed payments: Fees, interest, or penalties may apply. Contact the lender if you miss a payment.

Ready to build your home gym

Your equipment. Your terms. Start building today.

Explore financing options • Shop treadmills • Shop bikes • Shop ellipticals • Shop rowers • Shop reformers

Financing is subject to credit approval by the issuing lender. Promotional APRs, standard APRs, term lengths, and eligibility vary by lender, offer, and account. Examples are illustrative only. Always review the specific terms, disclosures, and Cardholder Agreement at checkout and in your welcome materials before accepting any financing offer.

Disclaimer: The primary purpose of this blog post is to inform and entertain. Nothing on the post constitutes or is intended to be a substitute for professional medical advice, prevention, diagnosis, or treatment. Reliance on any information provided on the blog is solely at your own risk. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition, and please consult your doctor or other health care provider before making any changes to your diet, sleep methods, daily activity, or fitness routine. Do not disregard professional medical advice or delay seeking it because of information available on this blog. NordicTrack assumes no responsibility for any personal injury or damage sustained by any recommendations, opinions, or advice given in this article. Always follow the safety precautions included in the owner’s manual of your fitness equipment.