Pay Over Time

Choose how you want to pay

Split your purchase into smaller payments with flexible financing options — no hidden fees, no surprises.

SHOP PAY

Pay in 4 with Shop Pay

Perfect for smaller purchases and quick checkout.

Split your purchase into 4 equal payments
0% APR for eligible customers
Fast and seamless checkout
No impact on your credit score to apply

SHOP WALKINGPAD

Rates from 0%-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses .

AFFIRM

Pay monthly with Affirm

Ideal for higher-value purchases and longer payment terms.

Flexible monthly payment plans
0% APR up to 12 months (qualified customers)
Transparent pricing — no hidden fees
Decision within seconds

SHOP Treadmills

Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses . For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.