Finance Information:

Interest Free Gym Equipment On Finance

We have teamed up with Deko (formerly 'Pay4Later') to offer our 0% interest-free gym equipment on finance. All JTX Fitness vibration plates, treadmills, rowing machines, cross trainers and exercise bikes are available to buy now and pay monthly. Spread the cost over 6 or 12 months and spend less than the price of the gym each month. All we ask for is a 20% – 50% deposit. You’ll be saving ‘£s’ and losing ‘lbs’ all at the same time.

We know sometimes it’s hard to get a big sum of money together for those high-value purchases. We also know that sometimes it is worth paying that little bit extra to get the best specification machine – that’s where monthly interest-free payments can come in handy.

How buying interest free gym equipment on finance from JTX Fitness could work:

JTX Product A £899

An initial 50% deposit of £449.50 followed by repayments of £37.46 a month for a year. All interest free.

JTX Product B £679

20% deposit of £135.80 and then monthly instalments of £45.27 for a year. All interest free.

Please note: ‘From’ prices advertised throughout our website are based on a 50% deposit and 12 monthly installments. This demonstrates the lowest monthly installment rate available at 0% interest.

How to Apply for Interest Free Credit

Its very straight forward. It should take no longer than fifteen minutes to fill out the online form. Once you've done so you will have an instant decision emailed to you.

Just browse the website to find the interest free gym equipment of your dreams and add it to your shopping basket like you would if buying a product out right.

In the checkout you’ll be able to select ‘Apply For Finance’ as your payment option. Once you have completed all of the required fields, click ‘Buy Now’.

Here you can select the length of the credit agreement (6 or 12 months) and the deposit amount (between 20% to 50%). Then click the yellow ‘Apply Online Now’ button.

You’ll now be taken to your personal interest free credit application form which can all be filled out confidentially online. No printing out forms or posting is required. Deko (formerly 'Pay4Later') will come back to you, and to us, with an instant decision. Quick, convenient and simple.

We’ll then contact you to let you know your fitness machine is on its way. And you can put the kettle on.

Please note: Items will not be dispatched until the credit application has been accepted.

NRS Innovations Ltd is a company registered in England and Wales (registration number: 6839865. Registered office: Bank House Southwick Square, Southwick, Brighton, East Sussex, England, BN42 4FN). NRS Innovations Ltd acts as a credit broker and only offers credit products from Omni Capital Retail Finance. Deko and Omni Capital Retail Finance Limited are authorised and regulated by the Financial Conduct Authority. Credit provided subject to age and status.

Frequently Asked Questions

All loans require a deposit of at least 20% deposit and are only available on products over £350. A minimum deposit of £250 is required.

Deko (formerly 'Pay4Later') can only consider your application if:

You are over 18 and employed for at least 16 hours per week

You have a good credit history with no late payments, defaults, debt relief orders, CCJ’s, IVA’s or bankruptcies

You are a permanent UK resident and are able to supply a UK address history for the last 3 years

Applications from students (unless employed at least 16 hours per week), or unemployed applicants will not be considered

Occasionally Deko will refer your application. This means that it has been neither declined or approved but has been passed to an underwriter for further consideration. Deko will very occasionally ask for extra proof of identity such as your bank statements or a utility bill. We will be alerted to this request and will contact you to discuss if needed.

Of course! You have a 28 money-back guarantee when buying anything from us. Should you wish to return your product please let us know within 28 days of receiving your item. It will need to be in it’s original packaging. Your refund will subject to a charge to cover our costs of delivery and collection. If you would prefer to return your item in person, or at your own cost, no charge will be made. We will cancel your credit agreement completely and your deposit will be returned by Deko.

Deko is an online finance gateway. They link retailers and finance companies making it easy for them to work together to offer consumers fast and convenient point of sale finance. Deko act as a credit broker and not a lender. Deko can introduce you to a limited number of finance providers. For more information please visit

JTX Fitness is owned by NRS Innovations ltd, Unit 3 Harbour Way Industrial Estate, Harbour Way, Shoreham-By-Sea, Sussex, BN43 5HZ. You can find out more about what makes us tick on our About Us page.