New year, new me? How buy now, pay later can help you on your fitness journey Blog | 1st Dec 2022 | 3min read Each new year is an opportunity to kick start a new health regime — and once the holiday spirit wears off, the resolutions come knocking. But just as quickly as we start them, many of us give up on our newly formed fitness habits. So, how can we make sure that we stay committed to working out? This is where Zilch can help. With buy now, pay later for gym equipment, you can invest in the right gear and the right mindset to build an exercise routine that you’ll actually stick to. Let’s find out how. Home gym equipment for the gym-timidated If you’re suffering from gymtimidation, there’s plenty of home gym equipment on the market to help build your dream workout suite, from weights of all sizes, yoga mats, to resistance bands and exercise balls. For the bigger investments, consider spreading the cost with Zilch Pay in 4 and buy now, pay later on treadmills, cross trainers and more. Gym clothing that makes fitness fashionable It can be hard to stay motivated when you’re throwing on the same worn-in gym trainers and baggy joggers every day. Instead, get suited up in the latest and greatest workout gear from all your favourite retailers, whether you’re an Adidas lover or a shoe-in for Nike. Breathable, durable gym clothes make workouts a breeze — and Zilch makes purchasing them just as easy. Buy now, pay later or Pay in 1 on your latest haul to earn rewards. Health supplements to boost your body The old saying goes that you only get something good out if you put something good in. This applies to workouts, too — you’ll need to fuel your body with a balanced diet to feel the results of your hard work. Health supplements, protein shakes and superfoods can all help to support a healthy lifestyle, and you can buy now, pay later with Zilch anywhere that accepts Mastercard payments, whether you’re in-store or online. How buy now, pay later works But how does it all work? First off, you’ll need to download the Zilch app from the App Store or Google Play. Then, you can make an account and agree to our credit agreement to start shopping. Once you’re set up, simply select where you’d like to shop from our storefront. If we don’t support your chosen retailer, you can use Zilch Anywhere at any location that accepts Mastercard payments. This may incur a small extra fee — but not to worry, we’ll always let you know if you’ll be charged before you check out. You can use Zilch Pay in 4 to pay for the upfront 25% of your purchase and spread the remaining cost between three separate instalments that will be automatically debited from your card over a six week period, with no interest. Or, if you’d like to pay for it all in one go, you can use Zilch Pay in 1 and earn up to 2% of your purchase back in Zilch Rewards. If you need a little extra time to cover the cost, you can also Snooze a payment using our app. * Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative APR 18.1% (fixed). Rep Example: based on total spend: £240 (+ £2.50 transaction fee). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply.