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What Is The Financing Cardio Nation Offers?

If you're considering getting a cardio machine or some strength equipment, but don't have the cash or credit available to pay right now, you may be thinking about financing options. We offer PayPal, Affirm, and Shop Pay financing options.

We have partnered with the best financing companies to give you the best chance of qualifying for credit. You will be required to apply for financing and fill out a credit line application. You are subject to approval.

Cardio Nation has no control over the financing decision. This is solely the lender's decision based on your creditworthiness. 

You'll usually get a decision within seconds and be able to purchase the perfect cardio machine for your needs right from our website shipped directly to your door as fast as 3-10 business days.  


How do I use Affirm to make a purchase?

You can use Affirm to make a purchase with Cardio Nation USA. 

  1. Go to your cart once you are ready to purchase.
  2. At the cart page you will see your Total amount of your purchase.
  3. Click the yellow Secure Checkout button and fill out your shipping and contact information. Then Click the yellow Continue to shipping button at the bottom of the page.
  4. At the shipping page you will see Free shipping as the only choice and then will give you your Total including taxes if your in WY or MA.
  5. Click the continue to Payment Button in yellow.
  6. On the Payment screen you can choose affirm payments by clicking the circle next to that option.
  7. Verify your billing address and then click the Complete Order Button.
  8. If your information was entered incorrectly, it will ask you to update it so you can continue with using affirm.
  9. If it’s your first time applying, create an account. If you already have an account, this step is skipped.
  10. Enter the 4-digit verification code just texted to your phone.
  11. See whether you're approved for your purchase. **

**Payment options through Affirm are subject to an eligibility check and are provided by these lending partners:

What types of financing options does Paypal offer?

The world-renowned recognized and respected leader in financing, PayPal, has offered customers of Cardio Nation an exclusive deal to get financing for cardio and strength equipment over $99. NO INTEREST IF PAID IN THE FULL WITHIN 6 MONTHS!  


PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.

If applying for Paypal Credit you will need to have a Paypal account or create one. If you don't know how to create one check out this wikihow article: How To Set Up A Paypal Account

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. Promotional offers may not be available for purchases made on a mobile device.

The financing lasts for 6 months and is only valid on approved credit. 

How Do I Apply for Paypal Financing?


(Please read the entirety of the instructions before you email or call. The next step may answer the question you have about the steps before it.)


  1. Choose the product you want to purchase.


  1. Click the ADD TO CART button on the product page:


  1. Click the CHECKOUT button:


  1. Fill in your information:


  1. Click the CONTINUE TO SHIPPING METHOD button:


  1. Choose your shipping method.


  1. Click the CONTINUE TO PAYMENT METHOD button:


  1. Choose PAYPAL option:


  1. Click the COMPLETE ORDER button:


  1. A pop will be displayed on the screen that will redirect you to PayPal, if you have a pop-up blocker make sure to disable it. You will need to sign into Paypal if you haven't. If you don't have a PayPal account you will need to create one. 

If you don't know how to create one check out this wikihow article. How To Set Up A Paypal Account.


  1. Click APPLY NOW button: (hover your mouse over Apply Now)


  1. You will be prompted to fill in your information:
  • Billing & shipping address
  • Your date of birth
  • Last 4 digits of your social security
  • Phone number


  1. Click NEXT


  1. Read PayPal's Credit Terms & Conditions:




  1. You will receive an instant approval:




  1. You will receive an instant denial. Cardio Nation has no control over the financing decision. This is solely the lender's decision based on your creditworthiness. 


Finance up to $1500.00 with Quadpay

Use Quadpay to easily split four payments over six-weeks, without paying any interest. After shopping online, select Quadpay at checkout where offered, or you can create an account on its website or mobile app and get an instant approval decision.

How does Quadpay work?

Quadpay allows you to finance your online order in three steps:

  1. Choose the Quadpay option when you check out with one of its partner retailers or shop at any online store that accepts Visa using the Quadpay mobile app.
  2. Link an existing debit or credit card to your Quadpay account.
  3. Quadpay will automatically split your payments into four equal chunks and deduct them from your selected card on schedule.

Quadpay uses advanced algorithms to provide you with an approval decision within just a few minutes. You just have to enter a few pieces of information and let Quadpay take care of the rest.

If approved, you’ll pay only the first 25% of your purchase amount. The other 75% will be divided equally and paid over the next six weeks.

Features of shopping with Quadpay

  • No extra costs. Quadpay costs nothing to use, and you’ll have no interest charges as long as you pay on time.
  • Automatic deductions. Each payment is automatically deducted from your chosen card, so you can be worry-free about manually paying.
  • Get instant approval. It’ll only take a few moments to enter your information and receive an approval decision. Do this right at checkout or ahead of time on Quadpay’s website.
  • No hard credit checks. Quadpay only requires your mobile phone number, date of birth and credit or debit card number. It never pulls a hard credit check, so your credit score won’t be affected as long as you make your payments on time.
  • Shop anywhere on-the-go. Use the Quadpay mobile app to quickly and easily shop at any online shop that accepts Visa – even if it’s not a direct Quadpay partner. You can also shop in-store with the Quadpay virtual Visa credit card.
  • Reminders. You’ll receive text and email notifications before a payment is about to process.
  • Easily manage your account. Sign in to see upcoming payments, orders and account information all in one place.
  • Earn credit card points and rewards. You’ll still earn points and rewards when you link your credit card with your Quadpay account.
  • Pay early. You can pay installments ahead of time or pay multiple installments at once, at no extra cost.
  • Returns and refunds. Still make returns like you normally would and get refunded for what you’ve already paid.

How much does Quadpay cost?

Quadpay is a free service that never charges any hidden fees or interest. The only time you’ll pay a fee is if you miss a payment. You’ll be charged $7 for the first day a payment goes unpaid and an additional $7 if your payment is a full seven days late.

If you think you can’t make a payment by its due date, contact Quadpay ahead of time and explain the situation. In some cases, customer service may be able to move your payment date. But there’s no guarantee.

Is Quadpay safe?

Yes, payments through Quadpay are secure. But it is important to keep in mind that even though Quadpay doesn’t require a hard credit check, the company may report late payments or defaults to major credit reporting bureaus. This could negatively affect your credit score.

How to sign up for Quadpay

To sign up, all you have to do is select the Quadpay option at checkout or create an account on its website or mobile app. You’ll just need to provide your date of birth, a mobile number and a debit or credit card.

You’ll also have to meet these basic requirements:

  • Live in the US
  • Be at least 18 years old and capable of entering into a legally binding contract (19 in the state of Alabama)
  • Have a valid and verifiable mobile phone number
  • Have a US credit or debit card