Train today. Pay later. With Citizens Pay®.
Buy your Connect Bike, Smart Rower, or Smart Treadmill now with Citizens Pay, and pay later as low as 0% APR. ††
How it works
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Select your product and plan
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At checkout, select Echelon Financing to apply
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If approved, select the offer that works best for you
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Pay over time in monthly installments
Echelon partners with
Easy, straightforward financing
Make your favorite items more affordable with Citizens!
Apply through our easy online application. Check your eligibility within seconds with no impact to your credit score†††. If approved, complete your purchase today. Future purchases are quick & easy--come back and shop again!Financing As Low As 0% APR††
- Instant Credit Decision
- No Upfront Costs
- Automatic Payment Options
- 24/7 Online Account Access
Looking for Personalized Financing?
FAQs
A Citizens Pay Line of Credit enables customers to make purchases with certain retailers. The Citizens Pay Line of Credit offers customers a fixed interest rate and term for each purchase. We recommend setting up automatic payments to ensure that bills are paid on time.
Yes. Once a hard inquiry has been submitted to a credit bureau, it will be reflected on their credit report.
Applying for a Citizens Pay Line of Credit is easy. You will be asked to provide your full name, residential address, mobile phone number, date of birth, social security number, and income.
Yes, customers may be able to make additional purchases on their Citizens Pay Line of Credit. Note, the Line of Credit is tied to the retailer and can’t be used elsewhere.
Yes. A customer’s Citizens Pay Line of Credit will be automatically closed after a period of inactivity, as further described in the Citizens Pay Line of Credit Terms & Conditions and Line of Credit.
If a customer is prequalified for a Line of Credit, they must submit a full application for final decision. Most people who are pre-qualified for a program do get approved for a Citizens Pay Line of Credit. However, there may be times where the information gained from doing a full review of a customer’s application and credit history may cause their application to be declined. In that case, Citizens Pay will send the customer an email with more information about the decline.
Yes. Citizens Pay works with a number of merchants and retailers. Customers may have a Citizens Pay Line of Credit for several different programs at one time.
Approved customers will receive a welcome email from Citizens Pay after their purchase. It will contain a link to set up their account and enroll in the automatic payment program. It is recommended that the automatic payment program be used so that payments are received on or before the due date. For more information on the Citizens Pay Line of Credit go to www.pay.citizensbank.com.
Autopay is not required at the time of purchase, but is highly recommended and can be set up during login at www.pay.citizensbank.com.
Citizens Pay provides an easy and secure way to view Line of Credit information at www.pay.citizensbank.com. Customers can view their account summary, transaction history, and make payments using their PC or mobile device.
No, Citizens Pay will not charge a customer for paying off their LOC early.
Yes. Citizens Pay charges Late Fees. Payments will be considered late if the full minimum payment due is not received by 11pm ET on the day after the due date. Late fee will be posted with an effective date of one day after the payment due date.
The late fee will be posted to the account balance and added to the next statement cycle's minimum payment amount.
If we do not receive your minimum payment by the specified payment due date, you may be charged a late fee between $8 and $38 for each late payment up to six total times each calendar year.
Secondary lender Concora
Overview:
- Looking for offers won't affect your FICO score.
- Affordable monthly payments.
- Repeat purchase capability, subject to credit availability.
To manage your Concora credit Account or for more information, please click https://concoracredit.myfinanceservice.com/.
Tertiary lender (lease to own) Katapult:
WHO IS KATAPULT?
Katapult has reimagined lease-to-own for the better, with lease-purchase plans designed just for you. There’s no credit required, no surprises, and never a late fee, ever. Katapult’s technology looks beyond credit scores to understand your journey, opening up new purchasing power. Apply for a Katapult plan now, and in minutes you could be shopping for the essentials you need in-person, online, or with Katapult’s app. It’s your path from “need” to “own.”
WHAT IS LEASE TO OWN?
Lease to own opens up paths to ownership by enabling recurring payments toward owning goods outright. You have no long-term obligation to continue leasing, and can return the product to Katapult at any time with no further obligation other than for amounts past due.
Lease-to-own gives you the power to purchase what you need when you need it.
BENEFITS:
- Real purchasing power. Up to $3,500 in lease pre-approval, based on your individual plan.
- Fast approval. Get a decision in 5 seconds or less.
- Zero surprises. Total transparency. Never a late fee–ever.
- No credit required. Our AI looks deeper to understand your journey.
- Hyper-flexible purchase plans. Pay over time, purchase anytime.
- Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on Trust Pilot.
- Purchase leased items within 90 days to save the most.
HOW TO KATAPULT:
- Go shopping online.
- Apply for Katapult via Echelon Financing.
- Apply, verify identity and payment info.
- Receive an instant decision.
- Review and submit your order.
- Look for a welcome email from Katapult.
FAQs
Echelon Financing is a program that allows you to pay for your Echelon equipment purchase over time in fixed monthly payments. We connect you with our lending partner where you can apply for financing. If you are approved, you can select the financing offer that works best for you and set automatic payments. This allows you to purchase Echelon equipment today and pay for it over time.
You will receive a monthly statement from Citizens. Citizens will notify you when your statement is available to view and provide a link so you can easily access your account via Citizens secure portal. The Citizens secure online portal allows you to view your account balance, enroll or update your automatic payments or make an additional payment.
†† Promotional APR Based on Credit: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Minimum purchase: $300.00. Promotional offers are based on creditworthiness and range from 0% -19.99% APR from the date an eligible purchase is posted to your account until paid in full. Limited time offer. If financing your Echelon United membership, the total cost of the membership will also be divided into equal monthly payments for the duration of the repayment term. Other transactions charged to your account affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Standard Purchase APR is 29.99% for non-promotional purchases. Account must be in good standing. Subject to credit approval. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A. https://www.citizensbank.com/disclosures/Echelon.aspx
††† Upon submitting your application, Citizens Pay® will conduct a full credit review leading to a hard inquiry on your credit file that could impact your credit score.