Pay over time at Peloton

Peloton is a connected fitness brand selling the Peloton Bike, Tread, Row and accessories with streaming classes. We confirmed 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

Affirm

Store offer
0% or 4.99% APR
Minimum purchase
Often $50
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 Peloton’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

HSA/FSA

Pay with HSA/FSA via Truemed

Peloton 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 Peloton

  1. Add what you want to your cart on onepeloton.com.
  2. Apply for Affirm at checkout or on the store’s financing page.
  3. Affirm shows the plans you can get. Checking 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 Peloton financing

Does Peloton offer financing?

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

Does Peloton offer 0% APR?

Peloton mentions this offer on its website: 0% or 4.99% APR. Whether you get it depends on your credit and the plan you choose. Check the APR before you accept.

Will checking my rate at Peloton affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a Peloton store?

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

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