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How to Afford a Personal Trainer: The Ultimate Guide

Investing in your physical health is crucial, and one of the best ways to do so is by hiring a personal trainer. However, the cost of a personal trainer often puts many potential fitness enthusiasts in a financial bind. If this describes your situation, then this guide is for you. Here we will outline several strategies to navigate the expenses associated with personal training, including how to afford a personal trainer and leveraging financing services like those offered by United Credit.

How Much Does a Fitness Trainer Cost?

The cost of a personal trainer varies greatly depending on factors like location, experience level, and specialty. On average, you might expect to pay anywhere from $30 to $100 per hour-long session. However, despite these costs, many find the personalized instruction and motivation provided by a trainer invaluable for achieving their fitness goals.

You might ask, “Why are personal trainers so expensive?” There are several factors to consider. Trainers invest significant time and money in their education and certification processes, and their expertise reflects this investment. In addition, the cost includes their time to develop personalized fitness plans, often done outside the training sessions.

6 Tips to Afford a Personal Trainer

It’s possible to afford a personal trainer on a budget. Here’s how:

1. Determine Expenses You Can Trade or Give Up

First, look at your current spending. There may be expenses you can reduce or eliminate to make room for a trainer. Do you have subscriptions you don’t use? Could you cook at home more instead of eating out? Small changes can make a big difference.

2. Start Small (2-3 Sessions Per Week)

Starting with a few sessions per week, instead of daily training, can significantly reduce costs. This approach also allows for independent practice of exercises, reinforcing what you learn.

3. Train with a Partner to Split the Costs

Working out with a friend or family member can make personal training more affordable. Many trainers offer group sessions at a discounted rate per person.

4. Finance Your Fitness Trainer

United Credit offers financing services specifically designed for the wellness/fitness industry. With a loan, you can spread out the cost of personal training over a longer period, making it more manageable.

5. Train Virtually

Online personal training can be a more affordable alternative to in-person sessions. Trainers can guide you via video call, eliminating travel costs and often reducing session rates.

6. Find Training During Off-Peak Hours

Many trainers offer discounted rates during off-peak hours. If you can fit sessions into your schedule during these times, you can enjoy the benefits of personal training at a reduced cost.

United Credit Can Help You Finance Your Fitness Goals

No one should have to compromise on their health due to financial constraints. At United Credit, we understand that. That’s why we specialize in providing fitness and outdoor equipment loans that can help you afford a personal trainer. With our consumer loans, you can finance your fitness goals and pay back the amount over time in a way that suits your budget.

We have years of experience and expertise in the personal training industry and offer a variety of options tailored to fit your financial needs. Our loans can be used for fitness equipment or professional services, including personal trainers.

Taking a step toward your health and fitness goals doesn’t have to be a financial burden. At United Credit, we’re here to help you find the best solution to navigate the cost of personal training. Explore our fitness and outdoor equipment loans to see how we can assist you in achieving your goals. You can also learn more about how our consumer loans work.

United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only.

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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

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VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.