Train Now. Pay over time.
We’ve partnered with ShopPay, Affirm, and Rigquipment to offer flexible financing options. Now, you can train your way and pay on a schedule that works for you.
How to Pay with Shoppay
Add your items to your cart.
Check out with ShopPay.
Choose the option to pay in installments.
When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR (United States and Canada), or monthly installments with no hidden or late fees (United States, Canada, and United Kingdom).
Debit cards are accepted as a payment method for Shop Pay Installments orders in all countries. In some countries, credit cards might also be an available payment method for certain Shop Pay Installments orders.
Shop Pay Installments is available only to customers who reside in the United States, Canada, or the United Kingdom that have a United States, Canadian, or United Kingdom mobile phone number, and use a payment card with a United States, Canadian, or United Kingdom billing address.
Yes. In the United States and Canada, $30,000 USD or CAD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes. In the United Kingdom, the order value limit is £30,000 GBP including discounts, shipping, and taxes.
No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.
You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.
No, there are no late fees if you miss a scheduled payment.
There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future.
If you have questions about a missed installment payment, then visit Affirm’s Shop Pay Installments Help Center for customers in Canada, the United States, or the United Kingdom.
To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.
If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.
If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.
How to Pay with Affirm
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Pick the plan that fits your budget. You'll never pay late or hidden fees.
Make payments at affirm.com or in the Affirm app. You’ll also get reminders by text and email
Yes! There’s no penalty for paying early.
Transparent - You’ll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.
Flexible - You choose the payment schedule that works best for you.
Fair - Affirm doesn’t charge late fees or hidden fees of any kind, ever.
You can learn more about how Affirm works on there website.
You can make or schedule payments at affirm.com or in the Affirm app for iOS or
Android. Affirm will send you email and text reminders before payments are due
Yes—you can return an item you bought with Affirm by initiating the return process
with the store.
No, your credit won't be affected when you create an Affirm account or check your
eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry,
which does not affect your credit. If you decide to pay with installments through
Affirm, your payment plan and repayment activity may be reported to credit
bureaus.
You can find more information on Affirm's Help Center.
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps
Affirm verify it’s really you who is creating your account and signing in.
You can visit their website at affirm.com.
Commercial Financing with Rigquipment
- Complete an online questionnaire that will ask you to input general information about your business. Rigquipment uses this information to build customized financial projections specific to your business and to assist in the approval process.
- Schedule a call with a Rigquipment Finance team member. This call will be used to discuss your financing need in further detail as well as answer any questions you might have.
- Submit a short punchlist of documentation via the online portal regarding the business model, facility, capital sources, and owners.
The team at Rigquipment Finance works exclusively with boutique fitness businesses, resulting in an unparalleled understanding of studio-level economics as well as broader industry trends. By working with a lender that specializes in this industry and has worked with thousands of gyms nationwide, applicants receive access to tools and support to help their business grow that extend beyond just capital.
The team at Rigquipment Finance focuses on building long-term relationships with its customers, which is particularly beneficial for businesses with long-term expansion plans.
Rigquipment financing is available for equipment purchases ranging from $5,000 to $250,000.
Financing terms are available from 12 to 60 months, allowing businesses to choose a payment schedule that best fits their budget and cash flow needs.
No. There is no cost to submit a financing application.
If your financing is approved and you move forward, a 3% origination fee is due at closing.
Yes. Your monthly payment is fixed for the duration of the financing term, making it easier to plan and budget for your equipment investment.
Yes, Rigquipment Finance is a direct lender and everything from application to funding to collections is done entirely in-house, resulting in fast approval/funding timelines and flexible financing solutions.
Individual credit reviews are always completed via a soft pull so there is no impact to personal credit from applying with Rigquipment Finance.
Yes, customers can contact Rigquipment directly to request an early payoff, to add additional equipment or secure multiple concurrent financing agreements with Rigquipment.
Rigquipment offers a full-payout finance lease, sometimes referred to as a rent-to-own structure. You make fixed monthly payments over the agreed-upon term, and once all payments are complete, the equipment belongs to your business. There is no additional buyout payment required at the end of the term.
Rather than a traditional down payment, the final month’s lease payment is due at closing and held as a security deposit.
No. Once you have completed all required monthly payments, ownership of the equipment transfers to your business without an additional buyout payment.
The financing structure may qualify for capital lease treatment for tax and accounting purposes. Depending on your business and tax situation, this may allow you to deduct depreciation as well as the implied interest portion of the financing payments.
The equipment may also qualify for Section 179 treatment, which can allow eligible businesses to deduct some or all of the equipment cost in the year it is placed into service.
Tax treatment varies by business and situation, so we recommend consulting with your accountant or tax advisor to determine how these benefits may apply to your business.
Financing is designed for larger commercial equipment purchases that meet the minimum financing amount of $5,000. This can include larger facility orders, multi-unit ANCORE, ANCORE Pro, or ANCOREX systems, and other qualifying commercial equipment packages.
Financing can be a strong option for gyms, performance facilities, physical therapy clinics, colleges, professional sports organizations, and other businesses that want to invest in new equipment while spreading the cost across predictable monthly payments.
Shoppay and Affirm Disclosures
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.
Rates from 0-31.99% APR (subject to provincial regulatory limitations). Payment options through Affirm Canada Holdings Ltd. ("Affirm") are subject to an eligibility check and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required. For example, an $800 purchase could be 12 monthly payments of $72.21 at 15% APR for total repayment of $866.48 (credit charges of $66.48), or 4 interest-free payments of $200 every 2 weeks. Visit helpcenter.affirm.ca for more information.
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibilitycheck, may not be available everywhere, and are provided by these lending partners:affirm.com/lenders. Options depend on your purchase amount, and a down paymentmay be required. CA residents: Loans by Affirm Loan Services, LLC are made orarranged pursuant to a California Financing Law license. For licenses and disclosures,see affirm.com/licenses