Setting up a home gym with high-quality equipment can feel out of reach—but it doesn’t have to be. Thanks to the NordicTrack Financing Company, getting your dream treadmill or exercise bike is now more affordable than ever. If you’ve ever put off your fitness goals because of budget concerns, this guide is for you.
We’re diving deep into how NordicTrack financing works, who it’s for, and whether it’s the right fit for your wallet.
What Is NordicTrack Financing?
NordicTrack offers a flexible buy now, pay later financing solution through its partner, TD Bank, N.A.. Instead of paying the full price upfront, you can break the cost into smaller monthly payments—sometimes with 0% interest for a set period (usually 12 to 36 months).
That means you can get moving today and spread out the payments over time.
How the Process Works?
Applying for NordicTrack financing is simple and can be done directly at checkout. Here’s how it works:
Add your equipment to the cart.
Choose Financing as your payment method.
Fill out a brief application (yes, it checks your credit).
If approved, you’ll get instant access to your terms.
Complete your purchase and start training.
“The application took just a few minutes, and I was approved right away. I love that I didn’t have to delay getting my treadmill.” – Rachel D., Verified Buyer
Sample Payment Breakdown
Let’s say you’re eyeing a treadmill that costs $1,800.
With a 12-month 0% financing plan, your monthly payment would be:
$1,800 ÷ 12 months = $150/month
As long as you pay the balance before the promo ends, you’ll pay zero interest.
⚠️ Heads up: If you miss a payment or fail to pay off the balance on time, interest (up to 29.99% APR) may be charged retroactively from the original purchase date.
Real People. Real Reviews.
Here’s what some users are saying:
“I couldn’t afford a $2,000 bike upfront. With the financing option, I split it into 18 manageable payments. I just made sure I paid it all within the promo window.” – Jason H., Houston
“It’s great—just remember to read the fine print. I missed a due date once and lost my 0% rate.” – Tamara S., Atlanta
What Happens If You Return the Equipment?
NordicTrack gives you a 30-day return window. If you’re not satisfied, you can send it back—but the financing terms still apply until the return is fully processed.
You must contact TD Bank to close out your account.
Any paid interest (if outside the promo period) may not be refunded.
Processing refunds can take up to 30 days.
NordicTrack Financing vs. Other Options
Here’s how it compares to other popular financing methods:
| Feature | NordicTrack Financing | Affirm | Credit Card (0% APR) |
|---|---|---|---|
| Interest | 0% (promo) | Varies (0–30%) | 0% (intro offer) |
| Use Location | NordicTrack only | Online + in-store | Anywhere |
| Credit Check | Yes | Yes | Yes |
| Max Term | 36 months | 48 months | Varies |
| Approval Speed | Instant | Fast | Instant or delayed |
🔎 Pro Tip: Compare the total cost (including any interest or fees) before deciding on a payment method.
Who Should Use NordicTrack Financing?
✅ It’s a Great Fit If:
You want to spread payments without interest.
You have good credit and can get approved easily.
You can commit to on-time payments.
⚠️ You Might Skip It If:
You often miss payments (hello, interest charges).
You prefer using financing across multiple stores.
Your credit score is below 650 (approval chances may be low).
Expert Insight
“Fitness is an investment, not just in your body—but in your lifestyle. Just make sure the way you pay for it doesn’t weigh you down later.”
– Maya Hill, Financial Coach
Final Thoughts
The NordicTrack financing option is a helpful tool for anyone looking to upgrade their home fitness game without breaking the bank. It’s easy to apply, comes with solid 0% interest offers, and allows you to take action on your health goals now—not someday.
Just be sure to read the terms, avoid late fees, and set reminders to pay off your balance in full before the promo ends.
Need help comparing fitness equipment financing options? Stick around—we’ve got more financial fitness guides coming your way.
FAQ’s About NordicTrack Financing
Q.1: Who backs NordicTrack financing?
It’s offered through TD Bank, N.A., one of the largest banks in the U.S.
Q.2: Is there a minimum purchase amount?
Typically yes, often around $499, but it depends on the promotion.
Q.3: Will it hurt my credit score?
Applying may involve a soft or hard pull, depending on your credit status.
Q.4: Can I pay it off early?
Yes! There are no penalties for early repayment.
Q.5: What’s the catch with 0% interest?
You must pay the full balance within the promotional period—otherwise, interest is applied from the purchase date.
