More results...

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors

Apply for Fitness & Outdoor Equipment Financing Now

Between $500 and $25,000

Elevate your fitness routine and enjoy the great outdoors

Fitness equipment can take your exercise regime to new heights. Outdoor equipment can help you explore the world around you in a new way. That’s why United Credit partners with thousands of businesses across the country, including sporting goods stores and websites, to connect you with the fitness or outdoor equipment you want. Apply for financing in minutes and see how together, we do more.

Thanks to our lending partner network, United Credit can connect you with financing options for a variety of fitness and outdoor equipment, including:

Fitness Equipment

Treadmills, Exercise Bikes, Ellipticals, Rowing Machines, Free weights, and Training Benches

Outdoor Equipment

ATVs, Lawn mowers, Snowmobiles, Snow blowers Boats Trailers

Fitness Equipment

Treadmills, Exercise Bikes, Ellipticals, Rowing Machines, Free weights, and Training Benches

Outdoor Equipment

ATVs, Lawn mowers, Snowmobiles, Snow blowers Boats Trailers

How fitness, sporting, and outdoor equipment financing works

Easy application
It only takes a few minutes to complete our simple online application

More financing options
Access multiple outdoor and fitness equipment financing options with affordable interest rates and payment terms

Fast approval
You’ll receive a response from our lender network the same business day

Affordable financing
Find a payment plan that fits your needs and your budget

Superior service
Your dedicated support rep will answer all your questions and help you through the entire application process

Secure financing for fitness and outdoor equipment from $500 to $25,000*

  • Simple, fast online application
  • Affordable monthly payments
  • No prepayment penalty
  • Competitive interest rates for qualified borrowers

*Some applicants may qualify for more. Actual loan amount and terms are dependent on credit usage and history.

Frequently asked questions

How Does Fitness and Outdoor Equipment Financing Through United Credit Work?

United Credit helps consumers within a wide range of credit scores apply for fitness and outdoor equipment financing, meaning we connect more people like you with the loan you need to enjoy the outdoors or move your body. We are not a credit card; instead, we are a gateway to installment loans and other financing options with affordable interest rates and payment terms best suited for your credit profile. Loans from our lender network vary based on your credit application.

What Are The Benefits Of Fitness Equipment and Outdoor Equipment Financing?

Exploring the great outdoors is just more fun when you’re riding on an ATV or behind the wheel of a boat. Exercise is a more enjoyable experience when you have the right equipment to help you feel motivated to move. For many consumers, these expensive items may only be attainable through a financing solution. With financing, they may be able to make payments on these items, and purchase the brand they want, or finance the cost of building out a home gym.

United Credit is here to connect you with fitness and outdoor power equipment financing solutions through our network of lending partners. Fitness and outdoor equipment financing can help you get the equipment you need with a payment plan that fits your budget.

Will Financing Cover the Cost of My Fitness and Outdoor Equipment?

Fitness and outdoor equipment financing through United Credit’s lending partners may cover the entire cost of your equipment, up to $25,000. This includes items like:

  • Treadmills
  • Free weights, benches, and racks
  • Ellipticals
  • ATVs
  • Boats
What Is The Best Financing For Fitness and Outdoor Equipment?

The best financing depends on your needs, credit, and financial goals. Things like monthly payments, loan terms and conditions, and APR all work together to make your ideal loan that’s unique to your situation. The United Credit team is dedicated to connecting you with the loan that best meets your needs and fits your budget.

With our industry-leading network of lending partners, you can access loan options for cosmetic surgery, veterinary and pet care, bariatric surgery, and major retail purchases.

How Does a Credit Score Work and What Credit Score Do You Need To Finance Fitness and Outdoor Equipment?

We recommend checking services like Credit Karma, requesting your credit history, and signing up for credit monitoring from all three major credit bureaus as one of the first steps in applying for a loan.

Your credit score depends on several factors, including:

  • Your current income
  • History of making timely payments for existing loans
  • Whether you’re currently enrolled in debt forgiveness programs
  • The ratio of “good debt” to “bad debt”
  • How long you’ve had a credit history
  • Your bank account history.

If you find incorrect information in your credit history, you have the right to appeal it and request your score be corrected. This can help you improve your credit score.

However, just because your credit history is less than ideal doesn’t mean you can’t get a loan. When you submit an application, our initial check is what’s known as a “soft” credit inquiry which does not impact your credit score. Individual lenders may run a hard credit check, which will impact your score, which is why it’s essential to know what your credit report contains.

Testimonials from United Credit Customers


Ready to apply?

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.

Jorge Lazaro

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.