If you need to finance a smith machine, we may be able to help, even if you have bad credit. Take a minute to get an offer on the gear that you need and you could be shopping for your smith machine as a cash buyer.

A woman using a smith machine at the gym.

Getting Your Loan Offer

We make it easy to get an offer that will let you finance gym equipment, even with bad credit. We can do this because we are not lenders but instead get you access to a large group of lenders online. More lenders gives you more opportunities to get a yes from one of them. Here is how it all works.

Get A Quote

First, you need to head to the top of this page and fill in your quote form. The form will ask you how much you expect to need and then some basic information about yourself and how you earn a living. It will also ask you where you want the money sent so you will need to enter your bank routing and account number.

Once you complete the form, submit your quote and wait for your answer. If approved, one lender from the online group will make you a loan offer. You will then be sent to their website where you can see this offer and finish up the process. If you like the offer, you can have money in your account to buy your smith machine as soon as the next business day. If you do not like the offer, you can just walk away with no obligation.

Is The Offer Good?

Once you get an offer, you need to decide if it is a good one or not. A smith machine is generally not a necessity, so you should not just jump on any loan offer. This is especially true if you have poor credit as the terms can often be pretty harsh. So, review your offer carefully.

One of the biggest things that you should think about is whether you can even afford the loan payment. Fit the payment into your monthly budget and make sure that there is room to spare. If you do not know how you will make the payment, it would probably be a good idea to pass on the loan.

You should also consider what the total cost of the loan is. If you are buying a smith machine for 1000 dollars and the loan will end up costing you 2000 dollars is this too high of a cost? Everyone will have a different answer to this, so it is up to you to decide how much you are willing to end up paying.

Last, look at whether you have another way to get your weight training equipment. Can you find a used model or simply get a cheaper weight bench instead of a smith machine?

Shopping For A Smith Machine

If you decided to accept an offer for smith machine financing, you can now turn your attention to purchasing your equipment. Because your lender will deposit funds directly into your account, you can shop for your smith machine like any other cash buyer. Make sure to take full advantage of that fact.

Being a cash buyer primarily allows you to get any style of machine that you want. You are not limited to whatever one store offers, you can get any machine that you like.

In addition, you can also shop around for the best price. Shop any store and even look into the online or used market. Save enough money and you can even apply the rest to something else that you have been wanting to get. Can you say “new drone“? The money is yours to do with as you like, so why not treat yourself.