Tru Niagen 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.
Example: Tru Niagen® Pro Whole-Body Benefits Bundle at $194.00 (price on Nov 11, 2026), paid monthly over 12 months with Shop Pay Installments financing, where the store offers it.
Sezzle Pay in 4: 4 payments of $48.50 every 2 weeks, with no interest if you pay on time.
APR
Monthly
Total paid
Interest
0%
$16.17
$194.00
$0.00
19.99%
$17.97
$215.64
$21.64
36%
$19.49
$233.88
$39.88
For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.
How to pay over time at Tru Niagen
Add what you want to your cart on truniagen.com.
At checkout, choose Shop Pay Installments or Sezzle. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
Compare the plans and the total cost, then accept only if the total works for you.
Questions about Tru Niagen financing
Does Tru Niagen offer financing?
Yes. We confirmed Shop Pay Installments and Sezzle at Tru Niagen on Nov 11, 2026. Options can change, so check at checkout before you buy.
Will checking my rate at Tru Niagen affect my credit score?
Applying for Shop Pay Installments does not affect your credit. If you take a plan, your loan and payment history may be shared with credit bureaus.
Can I use Shop Pay Installments in a Tru Niagen store?
We checked online shopping at Tru Niagen only. If the store has physical locations, ask there whether financing is available.
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