Learn how this works
1. How do I use Affirm?
Youāll see us at Sparks Fitness checkout under payment options.
2. What will my monthly payment be? And what payment options does Affirm offer?
Affirm offers payments at a rate between 0ā30% APR based on customers' credit. With no fees or compounding interest, what they see is what they payānever a penny more. At checkout you will be able to see what your monthly payment will be for the items in your cart. Or you can see on the product page a sample monthly payment option.
3. Will Affirm affect my credit score?
Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long youāve had credit.
4. Does Affirm charge interest and fees?
We donāt charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where youāre shopping, your payment plan may include interest. Youāll never owe more interest than you agree to on day oneāso you always know exactly what youāre getting into.
5. What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Affirm. You donāt have to use the full amount, and youāre not on the hook to pay anything back until you actually make a purchase.
1. How Do I use Splitit?
Youāll see us at Sparks Fitness checkout under payment options.
2. Splitit is always no interest or fees, no applications and no credit checks. What is the catch?
For example, lets say you have a $10,000 credit limit on your credit card. Do you spend $10,000 a month on that card? If your answer is no, Splitit may be for you, see below.
Say it with us: No. New. Loans.
Youāre a responsible credit card user. Instead of doing credit checks and charging hidden fees, Splitit lets you make monthly payments on the credit you already have from your current credit card.
How it works
Itās a new day for paymentsāone where you can still earn the credit card rewards you love; and you can choose the number of monthly payments, and gain a level of control that traditional ābuy now, pay laterā providers canāt ā or wonāt ā give you.
Splitit guarantees your purchase, by placing a hold on your credit card, while the total amount is outstanding. This is not a payment, itās just a pre-authorization that allows you to pay off your balance over time, before accruing any interest. There is no interest on a pending charge on your credit card. So instead of being able to spend $10,000 a month which is your credit card limit, you will only be allowed to spend $8,000 a month and as you make your monthly payment you get your credit credit limit back up to $10,000 each time you make a payment. Just pay as you go and Splitit will re-authorize the hold and reduce the amount each month. Second example, if your credit card limit is $10,000 and your total purchase is $1,000 and you want to split it in 4 monthly payments, your credit limit schedule would be like this, Month 1 total credit limit would be $9,250, Month 2 total credit limit would be $9,500, Month 3 total credit limit would be $9,750 and after last payment Month 4 would bring your total spending limit back to $10,000 a month for available credit to spend monthly. So if you don't use your entire credit limit each month, Splitit may be a great option for you that offers no credit checks, applications, meanwhile you still earn your credit rewards incentives on these monthly payments and to checkout all you do is punch in your credit card number and select your payments, then done, presto you are done!
Yes, Sparks has an in-house assembly and installation crew that is responsible for ensuring your machine is properly assembled according to the manufacturers specifications. Sparks delivery crew work fast and are experienced so you don't have to worry about your floors or walls getting scratched while they setup the gym in your home. The crew also takes all the refrigerator sized trash/packaging, pallet materials with them after install is complete, which is a plus because even if I break it down the packaging still doesn't fit in my trash bins.
Yes, Sparks Fitness has all in one gyms on display at their showroom for you to try and see how they work. Our associates are very knowledgeable and will happily demonstrate all the features of the all in one gyms we have in store so you can compare gyms and see what you are getting with your gym purchase. Yes, especially if you are looking at a gym that has a 150lb weight stack. Plate loaded gyms work well as well, visiting a local Sparks Fitness showroom, you will be able to test a gym out in person and get a first hand experience and see how an all in one works and feels.
Yes, an all-in one gym can be just as effective as a commercial gym setup for keeping you strong and in shape. Additionally, a home gym can also prove to be more effective. An all in one allows you to workout faster, conventionally located in your house, which means you save time that would spend traveling to the gym. Also owning a gym for yourself also can provide extra motivation when to decide to purchase a gym for your home.
They all are great options for getting stronger, toned and maintaining strength. The best way to answer this question is to visit a Sparks Fitness showroom near you and try out all the different styles of strength machines. Also Sparks recommends speaking with a store associate in the strength department as they will be able to listen to your goals and will demonstrate several different machines and will setup them up for you to try as well if you would like to feel how these machines will work for you.
