Pay over time at Horizon Fitness

Horizon Fitness sells treadmills, ellipticals and exercise bikes for home gyms. We confirmed Bread Pay here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Bread Pay

Minimum purchase
Often $50
APR
0% to 34.99%
Credit check
Soft to check your rate

Checked Nov 13, 2026 The store’s website says it offers Bread Pay

Store offer, minimum and plan lengths are from Horizon Fitness’s website. APR and credit check are Bread Pay’s general terms.

All Bread Pay stores and terms

HSA/FSA

Pay with HSA/FSA via Truemed

Horizon Fitness takes HSA and FSA money through Truemed. At checkout you answer a short health survey, and if a licensed clinician decides the item is medically necessary for you, you get a letter of medical necessity and pay with your HSA or FSA card. Your plan can still refuse the claim, so check your plan first.

Checked Nov 13, 2026

How Truemed works and all stores that take it

How to pay over time at Horizon Fitness

  1. Add what you want to your cart on horizonfitness.com.
  2. Apply for Bread Pay at checkout or on the store’s financing page.
  3. Check your rate. It is a soft check and does not affect your credit score.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Horizon Fitness financing

Does Horizon Fitness offer financing?

Yes. We confirmed Bread Pay at Horizon Fitness on Nov 13, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Horizon Fitness affect my credit score?

Checking your rate with Bread Pay is a soft check and does not affect your credit score. If you accept a loan, it may be reported to credit bureaus.

Can I use Bread Pay in a Horizon Fitness store?

We checked online shopping at Horizon Fitness only. If the store has physical locations, ask there whether financing is available.

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