Home Gym Financing
Pay over time. Start training now.
A real home gym is a one-time investment that outlasts a decade of memberships — but it doesn't have to hit your account all at once. Build A Gym offers Shop Pay Installments at checkout, so you can spread the cost across multiple payments and get the rack you actually want instead of the one that fits this month.
Up to $30,000 at checkout
Best payment terms at $25,000 or less — which covers just about any home setup.
Two clicks, no forms
Selected at checkout
No separate application, no paperwork to send us. Your options appear as you pay.
How it works
- Add your equipment to the cart and head to checkout.
- Choose Shop Pay as your payment method.
- Select Pay in installments.
- Enter your information to see the payment options available to you.
- Place your order. Your first payment is collected at checkout.
What you'll see at checkout
Your plan, payment amounts, and any interest that applies are determined at checkout — based on your order total and the result of your application. Every option available to you is shown before you confirm. Read them, then place the order.
Good to know
- Shop Pay Installments is offered through Shopify's financing partner — not by CTX Home Gyms.
- Eligibility is determined by the financing partner. Approval is not guaranteed.
- Not all order amounts or product types are eligible.
- Your terms, including whether interest applies, are disclosed before you complete the order.
- CTX Home Gyms does not set, control, or have access to your financing terms.
- Financing applies to the order total — equipment, delivery, and any add-ons together.
Questions about an existing plan
Payments, due dates, account access — contact the financing provider directly using the information in your confirmation email. CTX Home Gyms cannot modify, defer, or refund installment payments.
Questions about your order
Equipment, freight, delivery, assembly — that part is ours. Contact our team and we'll sort it out.
Important
- Shop Pay Installments is offered through Shopify's financing partner. CTX Home Gyms is not a lender and does not underwrite, approve, or issue credit.
- All terms — payment amounts, schedule, and any interest or fees — are set by the provider and disclosed to you at checkout before you confirm.
- Published limits and thresholds are set by the provider and may change without notice. Your actual limit is shown at checkout.
- Approval is not guaranteed. Questions about an application, approval status, or payments go to the provider.
Not sure what you need yet?
Tell us the room, the ceiling height, and what you train. We'll lay out a setup that fits — new, used, or remanufactured — before you spend a dollar.
Common questions
Does applying affect my credit?+
The financing partner runs the application and discloses any credit check as part of it. Build A Gym is not involved in that decision and does not see the result.
Can I pay my plan off early?+
That's handled by the financing provider, not by us. Use the contact information in your confirmation email.
Does financing cover delivery and assembly?+
It applies to your order total, so whatever delivery or inside delivery and assembly options you add at checkout are included in the amount financed.
Can I finance remanufactured equipment?+
Yes — remanufactured machines check out the same as new ones. Pairing installments with remanufactured commercial equipment is the cheapest route to a genuinely good home gym.
What happens if I return something?+
Returns follow our standard refund policy. Any approved refund is issued back through Shop Pay, and the provider applies it to your plan.
I'm outfitting a facility, not a house.+
Then look at commercial gym financing instead — application-only up to $500,000, built for business purchases.
Shop Pay Installments is provided by Shopify's financing partner and is subject to eligibility and an application. Rates and payment options are set by the provider, not by Build A Gym, and are subject to change. Not all applicants qualify. See your checkout screen for the terms applicable to your purchase.