Pay over time at NordicTrack

NordicTrack sells NordicTrack treadmills, exercise bikes, ellipticals and rowers with iFIT training. We confirmed Klarna and Affirm here.

Ways to pay over time

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

Pay later

Klarna

Plan lengths
Interest-free installments; monthly financing up to 24 months issued by WebBank
APR
0% to 35.99%
Credit check
Soft for Pay in 4

Checked Nov 10, 2026 The store’s website says it offers Klarna

Store offer, minimum and plan lengths are from NordicTrack’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Pay later

Affirm

Store offer
As low as 0% APR up to 24 months
Minimum purchase
Often $50
Plan lengths
Up to 36 months; 0–36% APR
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The store’s website says it offers Affirm

Store offer, minimum and plan lengths are from NordicTrack’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

HSA/FSA

Pay with HSA/FSA via Flex

NordicTrack takes HSA and FSA money through Flex. Some items need a short chat consultation at checkout to qualify, then you pay with your HSA or FSA card or split the payment. Your plan can still refuse the claim, so check your plan first.

Checked Nov 14, 2026

How Flex works, and is it legit?

How to pay over time at NordicTrack

  1. Add what you want to your cart on nordictrack.com.
  2. At checkout or on the store’s financing page, choose Klarna or Affirm.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about NordicTrack financing

Does NordicTrack offer financing?

Yes. We confirmed Klarna and Affirm at NordicTrack on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at NordicTrack affect my credit score?

Klarna Pay in 4 uses a soft credit check, which does not affect your score. Monthly financing needs a credit check when you apply, and the loan may be reported to credit bureaus.

Can I use Klarna in a NordicTrack store?

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

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