Why use buy now, pay later for fitness equipment, classes, & gear?

• Make Fitness Affordable: Split major expenses – like workout machines or exercise bikes – into bite-size payments. Build your health without breaking your budget.
• Discover Premium Brands: A buy now, pay later plan gives you the flexibility to explore luxury gear and apparel that optimizes performance and levels up your entire workout experience.
• Shop Almost Anywhere: You can use Zip to finance exercise equipment, fitness classes, workout apparel, and more almost anywhere Visa is accepted, including gyms, fitness studios, and online retailers.
• Get an Instant Decision: Find out instantly if you’re approved for a pay-in-4¹ or pay-in-8² installment plan, without impacting your credit score.

How Zip’s short-term financing works for your fitness needs:

Zip makes it easy and convenient way to finance gym equipment short-term.³ Here’s how it works in five simple steps:

1. Download the free Zip mobile app for iPhone or Android.
2. Shop your favorite fitness brands, like GNC, Gymshark, and Foot Locker.
3. Apply for Zip at checkout and choose a pay-in-4¹ or pay-in-8² installment plan.
4. Pay with Zip online or in-store3 using your Zip virtual card.
5. Complete your installment plan by making easy biweekly payments.

Buy now, pay later fitness FAQs

What types of fitness equipment can I purchase using buy now, pay later?

You can use Zip to purchase almost any kind of fitness equipment eligible for buy now, pay later – from Peloton and electric bikes to kettlebells, treadmills, and weightlifting sets. You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Zip allows you to finance exercise equipment just about anywhere Visa4 is accepted. It’s never been more affordable to upgrade and customize your home gym.

What kind of fitness apparel and gear is available for buy now, pay later financing?

You can use the Zip app to purchase fitness apparel or gear from retailers who offer buy now, pay later options. Start getting in shape with new gear, including running shoes, yoga blocks, bicycle helmets, boxing gloves, knee pads, reusable water bottles, and more. You can use Zip with a variety of online and in-person retailers³, like Dick’s Sporting Goods, Foot Locker, and Everlast – to name just a few! No matter what sport or position you play, Zip can help you get outfitted with all the essential gear and attire.

Are fitness classes eligible for buy now, pay later with Zip?

Yes! Explore buy now, pay later fitness classes from some of the biggest brands in the industry, like group cardio workouts at Orangetheory, luxury rowing classes at City Row, and full-body strength training sessions at Rumble Boxing.

Can I return gym equipment that I purchased with Buy Now, Pay Later?

Zip adheres to the original merchant’s return policy, so it’s important to check their rules and requirements. For example, many retailers allow shoppers to return buy now, pay later orders within a specific time-frame. For instance, retailers may accept returns within a 15- to 60-day window, as long as your return is accompanied by the original receipt. If the merchant accepts your return, Zip will update your installment plan and issue your refund within 13 to 21 days. Learn more about how refunds work in Zip’s System.

Can I use buy now, pay later to purchase home gym equipment online and in-store3?

Yes. Whether you prefer to shop online³ or browse in-store³, your digital Zip card lets you make purchases anywhere Visa⁴ is accepted, including retailers such as Foot Locker, Dick’s Sporting Goods, Orangetheory, Barry’s, Walmart, Amazon, and many more.

¹For example, for a $335 purchase, you'd make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.

²For a $400 purchase, you'd make eight $52.13 payments every two weeks starting today for a 31.66% annual percentage rate and a total of payments of $417. An $17 installment fee is charged at commencement - you pay $2.13 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $15.87 is included in your future payments. Actual installment fees vary and can range from $8 to $78 depending on the purchase price. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.

³Loans through the Zip app and Zip Checkout are originated by WebBank. Zip can only be used for US purchases. Certain merchant, product, and services restrictions apply.

⁴VISA is a trademark owned by Visa International Service Association and used under license.