Looking to get a treadmill but have bad credit? We may be able to help you get a cash loan offer for the money that you need. As a cash buyer, you can purchase your treadmill from any store and get the exact model that you want. Get started by estimating how much you want to spend.

A row of treadmills, possibly financed.

Why A Cash Loan?

Traditionally, if you have bad credit, you would be shopping at a “rent to own” or “buy here pay here” store. There are a number of problems with this and if you have ever used one of these places, you are well aware of that fact.

At a “rent to own” store, you have to chose from the items that they have available. These places carry a little of everything which means that they are not going to have a big variety. As far as treadmills go, this might mean that they only have one or two models to choose from. Since their are hundreds of different treadmills out there, this is quite limiting.

Another problem with “buy here pay here” places is that they make you a captive buyer. That robs you of the ability to shop around for a best price. If you have ever shopped one of these stores you have seen that prices are generally at least 20 percent higher than you would find elsewhere. They can get away with this because they know that you have no other choice.

When you get a cash offer to use for treadmill financing, you do not have thee restrictions. If approved and if you accept a loan, your lender will deposit money ito your bank account. You can then shop just like any other cash buyer. Shop any store to get the exact model that you want at the best possible price.

Getting Your Financing Offer

Now that you see why a cash loan is a great option for treadmill financing with bad credit, let’s look at how to get this offer.

Your first step will be to fill out the form at the top of the page. Enter in how much you expect to need for exercise equipment to get started. Be sure to add extra money if you want to buy other workout gear or even to finance a bicycle for extra cardio. Once you have your amount down, enter in information about yourself, your income and where you want your money sent.

Next, submit your form to the lender group. We ourselves are not lenders and do not make credit decisions. This is good for you if you need treadmill financing but have bad credit. More lenders means more chances of getting that Yes that you want.

If approved for a cash offer, one of the lenders in the group will make you an offer. You will need to then visit the lender website to see the terms of the loan. Read everything carefully before you make a decision.

Should you decide that the loan is a good fit for you, you can accept it and your lender will get you money just as soon as possible. This could be as soon as the next business day. If you do not like the treadmill loan offer, just turn it down and go on your way.

Using Your Treadmill Financing Money

If you decided to accept your bad credit treadmill financing offer, now comes the fun part. Now, you can purchase that treadmill from any dealer that you like as a cash buyer.

When looking for a treadmill, be sure to shop at least three different retailers. That will allow you to get  an idea of what is out there, as well as develop a good grasp of how much you will need to pay.

Be sure to also test as many models that you can and consider what your current and future use might be. You might plan on walking now but will you want to run or do more hill climbs in the future? Things like that may require a more powerful motor and higher incline settings. These things come at a cost but are often well worth it.

Once you have made your treadmill decision, make your purchase and then use any extra funds as you please. Buy some extra workout gear or get a smoker so that you can start cooking some healthy and tasty food at home.