Build your gym now, pay over time with Affirm.
Flexible plans at checkout, transparent terms, and no late fees or hidden fees.
How it works:
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Add equipment to cart and proceed to checkout.
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Choose Affirm as your payment method.
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Get a real‑time decision and pick the plan that fits (Pay in 4 or monthly installments—offers vary by cart size and eligibility).
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Pay over time in the app or online. Set up AutoPay anytime.
Why customers like Affirm
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No late fees. No hidden fees. Ever.
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Clear, upfront total—see the full cost before you commit.
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Checking options won’t affect your credit score (soft check).
Quick examples (illustrative only)
| Cart total | 12 months @ 0% APR | 12 months @ 15% APR | 24 months @ 0% APR | 24 months @ 15% APR |
|---|---|---|---|---|
| $500 | $41.67 | $45.13 | $20.83 | $24.24 |
| $1,000 | $83.33 | $90.26 | $41.67 | $48.49 |
| $2,000 | $166.67 | $180.52 | $83.33 | $96.97 |
| $3,000 | $250.00 | $270.77 | $125.00 | $145.46 |
Numbers exclude taxes/shipping and are for education only; your offer comes from Affirm at checkout. (Range & disclosures per Affirm.)
FAQ
Will checking my eligibility affect my credit?
No. Checking purchasing power or prequalifying uses a soft credit inquiry and does not affect your credit score. “Pay over time” plans can appear on credit reports (see next question).
Does Affirm report to credit bureaus?
As of April 1, 2025, Affirm expanded credit reporting—most “pay over time” plans started on/after that date may be furnished to Experian. Paying on time can help; missed payments can hurt.
Are there late fees?
No—Affirm does not charge late fees. (But late/partial payments can affect credit and future approvals.)
What terms will I see?
Options vary by cart size and eligibility (e.g., Pay in 4 or monthly installments). You’ll see available choices at checkout before you commit.
How do returns work with an Affirm order?
Start your return with us per our policy. Once we process the refund, Affirm updates your plan and balance; timing depends on the store refund and can take 3–10 business days to reflect.
Questions? Call (646) 657‑8856 or email hello@competitorsoutlet.com.
Affirm lending partner disclosure
Rates from 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR or 4 interest free payments of $200 every 2 weeks.