Buying a new fitness machine is not just a health commitment, it can also be a financial commitment. To fulfill our mission to give every person the tools they need to keep moving and become the best version of themselves, XTERRA Fitness is excited to offer financing options for our customers.

How does XTERRA Financing work?
XTERRA Financing Options give you the opportunity to buy your equipment today and pay over time. We provide easy and affordable financing through our partner, Bread, so you can pay for your purchase through affordable monthly plans.

How do I apply for XTERRA Financing?
From our product pages and the shipping cart, you will see a link to details about making low monthly payments. Or, you can visit our financing page to apply and get more details. Getting your rate takes seconds and is commitment-free. Checking your rate won’t affect your credit score* and the entire process is done in our secured and encrypted website.

Why is XTERRA Financing a good option for me?
The clear terms, fair rates and no prepayment penalties make the process easy and transparent. Pay for your purchase with monthly payments and prepay at any time without penalty. XTERRA currently offers 6, 12, or 24 months at competitive interest rates, including 0% APR for up to 12 months**

Who qualifies for XTERRA Financing?
XTERRA Financing is ideal for customers who have good credit and want the option to make low monthly payments. It is subject to credit approval and credit worthiness. If you are concerned about your credit score, you can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at or call toll-free 1-877-322-8228.

Additional questions?
Check Bread’s FAQ for more information. or (844) 992-7323 ext. 1

* A soft inquiry is used to check your rate, which won’t affect your credit score. If you then decide to complete a purchase, a hard inquiry is made to your credit file the first time you shop with Bread®, which may lower your score. Please see Bread FAQ on how completing a purchase with Bread may impact your credit score.

**The terms is for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 12 equal monthly payments of $83.33 at 0% APR, or 24 monthly payments of $45.22 to $55.91 at 7.99% to 29.99% APR, per $1,000 borrowed. Your terms may vary and are subject to credit approval. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.