1. How do I use Affirm?
You’ll see us at Sparks Fitness checkout under payment options.

2. What will my monthly payment be? And what payment options does Affirm offer?
Affirm offers payments at a rate between 0–30% APR based on customers' credit. With no fees or compounding interest, what they see is what they pay—never a penny more. At checkout you will be able to see what your monthly payment will be for the items in your cart. Or you can see on the product page a sample monthly payment option.

3. Will Affirm affect my credit score?
Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

4. Does Affirm charge interest and fees?
We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

5. What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.

1. How Do I use Splitit?
You’ll see us at Sparks Fitness checkout under payment options.

2. Splitit is always no interest or fees, no applications and no credit checks. What is the catch?
For example, lets say you have a $10,000 credit limit on your credit card. Do you spend $10,000 a month on that card? If your answer is no, Splitit may be for you, see below.

Say it with us: No. New. Loans. You’re a responsible credit card user. Instead of doing credit checks and charging hidden fees, Splitit lets you make monthly payments on the credit you already have from your current credit card.

How it works
It’s a new day for payments—one where you can still earn the credit card rewards you love; and you can choose the number of monthly payments, and gain a level of control that traditional “buy now, pay later” providers can’t – or won’t – give you.

Splitit guarantees your purchase, by placing a hold on your credit card, while the total amount is outstanding. This is not a payment, it’s just a pre-authorization that allows you to pay off your balance over time, before accruing any interest. There is no interest on a pending charge on your credit card. So instead of being able to spend $10,000 a month which is your credit card limit, you will only be allowed to spend $8,000 a month and as you make your monthly payment you get your credit credit limit back up to $10,000 each time you make a payment. Just pay as you go and Splitit will re-authorize the hold and reduce the amount each month. Second example, if your credit card limit is $10,000 and your total purchase is $1,000 and you want to split it in 4 monthly payments, your credit limit schedule would be like this, Month 1 total credit limit would be $9,250, Month 2 total credit limit would be $9,500, Month 3 total credit limit would be $9,750 and after last payment Month 4 would bring your total spending limit back to $10,000 a month for available credit to spend monthly. So if you don't use your entire credit limit each month, Splitit may be a great option for you that offers no credit checks, applications, meanwhile you still earn your credit rewards incentives on these monthly payments and to checkout all you do is punch in your credit card number and select your payments, then done, presto you are done!