Everything You Need to Know About NordicTrack Financing Company

A NordicTrack treadmill, bike, or elliptical is not a small purchase. Depending on the model, you are looking at anywhere from $799 to over $4,000 for a single piece of equipment — and a full home gym bundle can run considerably higher. For most people, that is not money sitting idle in a checking account. The NordicTrack financing company program exists to close that gap, spreading the cost over time so you can start working toward your fitness goals today instead of saving for months before you begin.

But NordicTrack financing has changed significantly. The company’s long-standing partnership with TD Bank — which powered its branded financing account — officially ended on October 30, 2025. That means the NordicTrack Financing Account through TD Bank is no longer available for new purchases. What remains are alternative financing paths — through NordicTrack’s checkout, third-party lenders, and buy now pay later platforms — each with different terms, costs, and eligibility requirements. This guide covers exactly what the NordicTrack financing company program looked like, what has replaced it, and how to choose the smartest financing option for your situation right now.

[CALLOUT BOX — WHAT YOU WILL LEARN]

What the NordicTrack financing company program was and what changed in 2025
Current financing options available for NordicTrack equipment
How buy now pay later platforms compare to traditional financing
What credit score you need and what happens if your credit is limited
The real cost of 0% promotional offers and when they become expensive
How to choose the right payment plan without overpaying in interest

What Was the NordicTrack Financing Company Program?

For years, NordicTrack offered a branded financing account powered by TD Bank, N.A. — one of the largest retail banking institutions in North America. This program allowed customers to apply for a NordicTrack-specific line of credit at checkout, then spread their equipment purchase across monthly payments, sometimes at 0% interest for promotional periods of 12 to 36 months.

The program offered 24-hour online account access, electronic statements, online payment management, and a dedicated customer service channel. It was straightforward, integrated directly into the NordicTrack purchase process, and accessible to buyers with a reasonable credit history. According to the official NordicTrack financing account page at mytdfinancing.com, NordicTrack and TD Bank, N.A. are discontinuing the NordicTrack Financing Program, with October 30, 2025 being the last day customers could use their NordicTrack Financing Account for purchases.

This is a significant change for anyone who searches for NordicTrack financing and finds older articles referencing the TD Bank program — that program no longer accepts new applications. Existing account holders can still manage their outstanding balances through the TD financing portal, but no new purchases can be financed through that channel. The good news is that multiple alternatives now exist, and several of them offer competitive or better terms than the original program.

Current NordicTrack Financing Options in 2026

With the TD Bank program discontinued, NordicTrack financing now runs through alternative structures. Here is a clear breakdown of every option available today.

NordicTrack Checkout Financing

NordicTrack still offers financing directly at checkout on its website — nordictrack.com — through third-party lending partners integrated into the purchase flow. NordicTrack financing puts treadmills, bikes, ellipticals, and full bundles within reach today, with options to apply at checkout and explore 0% APR offers.

The specific lender powering NordicTrack’s current checkout financing may vary by purchase amount and customer credit profile. The application takes place during checkout — you select your equipment, choose financing at payment, and receive an instant decision. Approved buyers can spread the cost across monthly payments, with promotional 0% APR offers available on qualifying purchases for set periods.

The critical detail to understand about any promotional 0% APR offer is whether it uses true 0% interest or deferred interest. With true 0% APR, no interest accrues during the promotional period — if you pay off the balance in time, your total cost equals the purchase price. With deferred interest, interest accrues from day one at the standard rate but does not appear on your statement until the promotional period ends. If you carry any balance beyond that deadline, the full accrued interest hits your account at once. Always ask which structure applies before accepting any promotional financing offer.

Buy Now Pay Later Platforms

Buy now pay later services have become the most widely used alternative to traditional retail financing for purchases in the $500 to $4,000 range — which covers most NordicTrack equipment. Modern alternatives such as buy now pay later services allow you to get your product now and pay for it in installments, with some services offering 0 interest periods if payments are made on time.

Platforms like Affirm, Klarna, and Shop Pay Installments are available on select NordicTrack purchases. Affirm, in particular, offers multiple plan structures — a pay-in-4 option that splits the purchase into four equal payments every two weeks at 0% interest, and longer-term monthly payment plans at APRs ranging from 0% to 36% depending on your credit profile and the plan selected.

The key advantage of BNPL over traditional retail financing is transparency. Affirm, for example, shows you the exact total you will pay before you confirm — including any interest — so there are no surprises at the end of a promotional period. Klarna’s pay-in-4 option splits your purchase into four equal installments with no interest charged, making it effectively free financing for buyers who pay on schedule.

Lease-to-Own Through Abunda

For buyers with limited or damaged credit who may not qualify for conventional financing or BNPL approval, lease-to-own platforms provide an alternative path. Abunda offers buy now pay later and lease-to-own choices for NordicTrack’s renowned range, even with bad or no credit, with monthly payments, interest-free installments, and lease-to-own options making NordicTrack equipment accessible to more individuals.

Lease-to-own arrangements work differently from loans. You make regular payments for a set period and own the equipment outright once the balance is cleared. The trade-off is cost — lease-to-own arrangements typically result in a higher total payment than purchasing outright or financing through a conventional lender, because the provider prices risk and margin into the payment structure. For buyers who have been declined elsewhere, however, lease-to-own provides a workable path to equipment ownership without a credit check requirement.

Personal Loans from Outside Lenders

A personal loan from a bank, credit union, or online lender gives you a fixed amount at a fixed rate — independent of any NordicTrack-affiliated program. You apply separately, receive funds in your account, and purchase the equipment as a cash buyer.

The advantage of this approach is rate competitiveness. If your credit score is 690 or above, personal loan APRs from competitive online lenders can run between 6% and 12% — potentially lower than NordicTrack’s checkout financing rate, particularly for buyers who do not qualify for a 0% promotional offer. You also avoid any deferred interest risk because a personal loan has no promotional period — your rate is fixed from day one.

According to the Consumer Financial Protection Bureau, personal loans are one of the most cost-effective ways to finance large consumer purchases when used with a clear repayment plan and a competitive APR. Pre-qualifying with two or three lenders before purchasing your NordicTrack equipment takes about 20 minutes and can save hundreds of dollars in interest on a mid-range purchase.

Credit Cards

A standard credit card can finance a NordicTrack purchase, but only makes financial sense in specific circumstances. If you have access to a card with a 0% introductory purchase APR — typically offered for 12 to 21 months on new accounts — and you can pay the full balance before the promotional period ends, a credit card provides effectively free financing with no application required beyond the initial card approval.

Outside of a 0% introductory offer, credit card APRs in 2025 and 2026 average above 24% — making them the most expensive financing option for any balance carried beyond the payment due date. Traditional financing plans often involve a hard credit inquiry which can impact your credit score, and you may face interest charges if the balance is not paid off within a promotional period, with strict repayment schedules that can be unforgiving. Use a credit card for NordicTrack financing only if you have a 0% offer in place and a clear timeline to pay off the balance.

NordicTrack Equipment Cost vs Monthly Payment — What the Numbers Look Like

Before choosing any financing option, it helps to see what the actual numbers look like across different NordicTrack price points. Here is a breakdown using common financing terms:

Equipment Price	0% APR 12 months	9.9% APR 24 months	14.9% APR 36 months
$800	$66/month	$37/month — total $888	$28/month — total $1,001
$1,500	$125/month	$69/month — total $1,665	$52/month — total $1,877
$2,500	$208/month	$115/month — total $2,775	$87/month — total $3,128
$3,500	$292/month	$161/month — total $3,885	$121/month — total $4,379

These numbers show clearly why the 0% APR option — when genuinely available and paid off in time — is the most cost-effective path. They also show how a lower monthly payment on a longer term can add $500 to $900 to the total cost of a mid-range NordicTrack purchase. Running these numbers before you choose a financing plan takes two minutes and changes the financial outcome significantly. The MyUSFinance loan calculator at myusfinance.com is a free tool that lets you model any financing scenario instantly.

A Real Example: How James Financed a $2,200 NordicTrack Treadmill

James, 38, a warehouse supervisor earning $3,400 per month, decided to invest in a NordicTrack treadmill after his gym closed unexpectedly. The model he wanted was priced at $2,199.

His options at checkout:

NordicTrack checkout financing: 0% APR for 18 months — monthly payment $122, total cost $2,199 (if paid in full before 18 months)
Affirm 24-month plan: 12.9% APR — monthly payment $105, total cost $2,526
Personal loan from his credit union: 8.5% APR, 24 months — monthly payment $100, total cost $2,400

What he did: He chose the 0% checkout financing option but set up automatic monthly payments of $130 — slightly above the minimum — to ensure the balance cleared before the 18-month promotional period ended with a $66 buffer month.

Result: He paid $2,199 total — zero interest, zero additional cost. The key was understanding that the 0% offer was genuine and not deferred interest, confirming this in writing before purchasing, and automating payments above the minimum to guarantee payoff before the deadline.

What would have gone wrong: If the offer had used deferred interest instead of true 0% APR and James had carried a $300 balance past month 18, all interest accrued from day one at the standard rate would have hit his account at once — potentially adding $200 to $350 to his total cost without warning.

What Credit Score Do You Need for NordicTrack Financing?

Credit requirements vary by financing option. Here is a practical breakdown:

Financing Option	Minimum Credit Score	Notes
NordicTrack checkout financing	640 to 660 estimated	Varies by lender — soft check at pre-qualification
Affirm pay-in-4	550+	Soft check only — no impact to credit score
Affirm monthly plans	600 to 640	Soft pre-qualification available
Klarna pay-in-4	550+	Soft check only
Personal loan (competitive rate)	690+	Hard inquiry — best rates above 720
Abunda lease-to-own	No minimum	No credit check required

If your credit score is below 620 and you need NordicTrack financing, the Abunda lease-to-own path or a pay-in-4 BNPL option are your most accessible routes. Both avoid hard credit inquiries and have forgiving approval standards. The trade-off with lease-to-own is a higher total cost — but ownership is still the outcome once payments are complete.

Building credit while managing a financing obligation responsibly is one of the most effective ways to improve your financial profile over time. The principles that make this work — on-time payments, low utilization, and consistent saving alongside debt service — are covered in our guides on the best salary saving rule and how to save money from salary.

Common Mistakes People Make With NordicTrack Financing

Mistake	Why It Fails	What To Do Instead
Assuming 0% means no interest risk	Deferred interest plans charge full interest if balance is not cleared by deadline	Confirm in writing whether offer is true 0% APR or deferred interest before purchasing
Only checking the monthly payment	Lower monthly payment on longer term often costs $400 to $900 more in total	Calculate total repayment across all options before choosing a plan
Not comparing outside lenders	Checkout financing is convenient but not always the cheapest option	Pre-qualify with one personal loan lender before purchasing — takes 10 minutes
Missing a payment on a 0% plan	One missed payment on some plans triggers the full standard APR immediately	Set up autopay the day you open the account — never rely on remembering manually
Financing more than needed	Bundles and add-ons increase the financed amount and total interest paid	Finance only the equipment you will actually use — resist upsell at checkout

[CALLOUT BOX — PRO TIP] Before accepting any NordicTrack checkout financing offer, ask one question: “Is this true 0% APR or deferred interest?” If it is deferred interest, calculate what happens if you carry even $200 past the promotional deadline — you will likely see $150 to $400 in surprise interest appear on your statement. True 0% APR with autopay set above the monthly minimum is the safest and cheapest path.

[CALLOUT BOX — WARNING] The original NordicTrack Financing Account through TD Bank, N.A. was discontinued on October 30, 2025. If you find any article or guide that references applying for the TD Bank NordicTrack account as a current option, that information is outdated. No new applications are being accepted through that program. Use the current financing options covered in this guide instead.

Is NordicTrack Financing Worth It?

The honest answer depends entirely on which financing option you use and how you manage the repayment.

NordicTrack financing is worth it when you choose a genuine 0% APR offer with a clear payoff plan, your monthly payment fits comfortably within your budget without displacing savings or essential expenses, and the equipment will genuinely be used regularly enough to justify the financial commitment. A $2,000 treadmill that gets used four to five times a week for two years is a dramatically better financial decision than the same treadmill used twice and gathering dust in a spare room.

NordicTrack financing is not worth it when you carry a balance past a deferred interest deadline and absorb surprise charges, you extend the term to the maximum to minimize monthly payments without calculating the total interest cost, or you are financing equipment while carrying high-interest debt elsewhere — because the math of paying 9% to 15% on fitness equipment while carrying 24% credit card debt does not work in your favor.

The same financial discipline that makes NordicTrack financing work — budgeting the payment before committing, automating payments, and building savings alongside debt service — is what our best daily saving habits guide and how to save 20% of income cover in full detail. Managing a financing commitment well is a personal finance skill — and it transfers to every other borrowing decision you will ever make.

Frequently Asked Questions About NordicTrack Financing Company

Is NordicTrack financing still available after TD Bank discontinued the program? Yes. While the NordicTrack Financing Account through TD Bank was discontinued on October 30, 2025, financing options remain available through NordicTrack’s checkout process via third-party lending partners, as well as through BNPL platforms like Affirm and Klarna, lease-to-own options through Abunda, and personal loans from outside lenders. The TD Bank program is no longer accepting new applications.

What credit score do I need for NordicTrack financing? For NordicTrack’s checkout financing, an estimated minimum credit score of 640 to 660 is typically required, though this varies by the specific lender. Buy now pay later options like Affirm’s pay-in-4 and Klarna have more forgiving approval standards starting around 550, using soft credit checks that do not affect your score. Abunda’s lease-to-own program requires no credit check.

Does NordicTrack offer 0% financing? NordicTrack has offered 0% APR promotional financing on qualifying purchases through its checkout process. Whether true 0% APR or deferred interest applies depends on the specific offer — always confirm which structure applies before accepting. True 0% APR means no interest accrues during the promotional period. Deferred interest means interest accrues from day one and hits your account if you carry any balance past the deadline.

Can I finance NordicTrack equipment with bad credit? Yes, through Abunda’s lease-to-own program, which requires no credit check and welcomes buyers with bad or no credit. Affirm and Klarna’s pay-in-4 options also have relatively low credit thresholds and use soft credit inquiries. Lease-to-own typically costs more in total than conventional financing, but it provides a path to equipment ownership for buyers who cannot qualify elsewhere.

What happened to the NordicTrack TD Bank financing account? The NordicTrack Financing Account, powered by TD Bank, N.A., was officially discontinued on October 30, 2025. Existing account holders can still manage outstanding balances through the account portal at mytdfinancing.com, but no new purchases can be financed through the program. NordicTrack now offers financing through alternative lenders at checkout.

Making the Smartest NordicTrack Financing Decision

The NordicTrack financing company landscape has changed significantly since October 2025, but financing options remain accessible across a range of credit profiles and financial situations. The key is choosing the right structure for your specific circumstances — not just the one that appears first at checkout.

If you qualify for a genuine 0% APR offer and can automate payments to clear the balance before the promotional deadline, that is almost always the cheapest path. If checkout financing rates are higher than what a personal loan would cost you, take 15 minutes to pre-qualify with a lender before purchasing. If your credit limits your options, the Affirm pay-in-4 or Abunda lease-to-own routes provide access without a hard credit inquiry.

The equipment is the same regardless of how you finance it. What changes is how much it costs you in total — and that number is entirely within your control if you spend a few minutes comparing options before you commit.