Exclusive Special Financing

Sparks Fitness offers amazing 0% interest financing options with super low monthly payments. Coupled with a hassle free quick and easy approval process, you can get your equipment today!

With Sparks Fitness we offer premium, trusted and the best finance options for your equipment.

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Finance with Synchrony

Sparks Partnership with Synchrony gives you easy access the best financing without a catch! There are no origination fees or prepayment penalties, so you know exactly how much you owe.

How does it work?

Provide some basic information and get a real time credit decision in minutes and get your equipment today!

After you're pre-qualified, terms vary from 3, 6, 12, 18, 24, 36 or 60 months.*depending on the promotion.


Commonly Asked Questions

Can I pay back my loan early?

Yes, you can repay anytime for all or part of your loan. There is never a penalty for paying early.

Does checking my rate affect my credit?

No. We use a soft inquiry to check your rate, which won’t affect your credit score. Checking out with Synchrony will not result in a hard inquiry at any of the three major credit reporting agencies.

How and when do I make payments?

Make financing payments online by ACH or debit card, or by mailing Synchrony a check. Your first payment won’t be due for at least 30 days after checkout.

Is this safe and secure?

Safeguarding your personal information is very important to us. All Synchrony checkouts use HTTPS secure encryption when transmitting data.
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Finance with Affirm

Buy now, pay later without the fees

How does it work?

Choose Affirm at checkout and choose the best plan of monthly installments, perfect for big-ticket items.

With Affirm there are No hidden fees—ever; What you see is what you pay; Set up easy, automatic payments.

Affirm is the smartest way to pay over time. Shop at Sparks from pretty much anywhere and pay at your own pace without any fees, so you can get the things you love without breaking your budget.

    Sample Pay for 6 installments with an affirm loan: (*0% APR)

  • Total = $5,299
  • Monthly Payment = $883.17 (for 6 months)
  • Sample Pay for 12 installments with an affirm loan: (*15.12% APR)

  • Total = $5,299
  • Monthly Payment = $478.58 (for 12 months)
  • Sample Pay for 36 installments with an affirm loan: (*15.19% APR)

  • Total = $5,299
  • Monthly Payment = $184.19 (for 36 months)
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Commonly Asked Questions

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 you’ve had credit.

Does Affirm charge interest and fees?

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Interest - Depending on the size of your purchase, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

Does Affirm give me different loan options?

Choose your payment terms You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments. You can pick at checkout.

How can I manage my payments?

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Why Affirm?

We started Affirm because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt. With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

*Rates are between 0-36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license.