Echelon Financing
Train now. Pay over time.
Monthly payments on bikes, treadmills, rowers and more.*
Checking your eligibility won't affect your credit score.
How it works
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Pick your equipment
Add a bike, treadmill, rower or bundle to your cart.
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Choose Echelon Financing
At checkout, select Echelon Financing and see your offers in minutes.
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Pay monthly
Pick the plan that fits your budget and start training.
Popular picks
Pay in full or choose monthly payments at checkout.
More ways to pay
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Echelon Financing
Monthly payments through our lending partners. Choose it at checkout to see your offers.
Most popular -
Lease-to-own with Katapult
No credit history needed. Choose Echelon Financing at checkout to see if it's offered to you.
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Shop Pay Installments
Split your purchase into payments with Shop Pay at checkout.
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HSA/FSA with Truemed
Eligible customers can use pre-tax HSA/FSA funds through Truemed at checkout.
Financing FAQ
Will checking my rate affect my credit score?
No. Checking your eligibility won't affect your credit score.
How do I apply?
Add your equipment to the cart, go to checkout and choose Echelon Financing. You'll fill out one short application and see the offers you qualify for.
What rates and terms are available?
Rates range from 0.00% to 34.99% APR, depending on your credit, purchase amount and term. You'll see your rate and term before you accept an offer. See the disclosure below for details.
Is there a minimum purchase?
Yes. The minimum purchase is $50.00.
What if I'm not approved?
You may still see offers from other partners, including lease-to-own. You can also pay with card, Shop Pay Installments, PayPal or Truemed.
Who do I contact about my payments?
Your lender handles your account and payments. Their contact details are in your agreement and welcome email. For order questions, call Echelon at 855-4GETFIT.
Ready to start training?
*Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0.00% to 34.99% APR, resulting in, for example, 48 monthly payments of $31.50 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.