Finance Information

Financing information see long description in caption

Why delay the start of your home fitness campaign?

Spread the cost of your order with Interest Free Credit when you spend £250 and over online today. With 0.00% APR finance, no deposit and flexible repayment options, there has never been a better time to invest in your health and fitness with NordicTrack.

Finance is not available with any iFIT+ products.

NordicTrack offers several financing options through V12 Retail Finance Ltd.

Finance is available to customers who are over 18 years old, have lived in the UK for at least three years and are placing an order for in stock items to a total value of £250 or more, excluding accessories and delivery costs.

Finance available:

  • Interest Free Finance (6 months) £250 - £15,000 0.00% APR.
  • Interest Free Finance (12 months) £250 - £15,000 0.00% APR.
  • Interest Free Finance (18 months) £750 - £15,000 0.00% APR.
  • Interest Free Finance (24 months) £1,000 - £15,000 0.00% APR.
  • Classic Credit (48 months) £750 - £15,000 9.9% APR representative.

Your first instalment will be payable approximately 30 days after your order has been delivered.

Finance options can be selected from the product page and at checkout, which will take you through to the V12 finance platform for an instant decision.

*Please be aware we are unable to offer V12 finance to customers who are based offshore which includes the postcodes PO30-41, GY, JE, TR21-TR25, HS, ZE & Scottish Islands.

*Scottish Islands include; HS, IV41-IV51, IV55-IV56, KA27, KA28, KW15-KW17, PA41, PA42-PA49, PA60, PA61, PA62-PA76, PA77, PA78, PH41, PH42, PH43, PH44, ZE.

iFIT Health & Fitness Ltd act as a credit broker and not a lender.

Trading address: iFIT Health & Fitness Ltd, Unit 1 Westgate Court, Silkwood Park, Ossett, WF5 9TT, Registered No 02995785 acts as a credit broker and not the lender.

Registered address: iFIT Health & Fitness Ltd, 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT.

IFIT HEALTH AND FITNESS LTD trading as Nordic Track is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 733607.

IFIT HEALTH AND FITNESS LTD offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

If you make a complaint, you are dissatisfied with our response, and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Additional information and contact details can be found on

V12 Retail Finance Limited

Registered in England and Wales: 4585692

Authorised and regulated by the Financial Conduct Authority. Registration number: 679653

Registered office: One Arleston Way, Solihull, West Midlands, B90 4LH

Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ Tel: 029 2046 8900

Finance is provided by Secure Trust Bank Plc. Finance is arranged by V12 Retail Finance Limited who are a credit broker and a wholly owned subsidiary of Secure Trust Bank PLC. If a finance application is successful then V12 Retail Finance Limited will receive a commission.

V12 Retail Finance is a trading name of Secure Trust Bank PLC.

Secure Trust Bank PLC.

Registered in England and Wales: 541132

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

Registration number: 204550

Registered office: One Arleston Way, Solihull, West Midlands, B90 4LH Tel: 0121 693 9100

For any questions that are preventing you from continuing with your finance application, please feel free to contact V12 on 029 2046 8900.

V12 is available Monday to Friday 8am to 8pm, Saturday 9am to 6pm and Sunday and Bank Holidays 10am to 5pm.

How do I apply?

  • Simply add your chosen products to your shopping cart and enter the checkout area when you are ready.
  • Once you have completed your order details on our website, please choose the finance payment option on the payment option page.
  • You are now redirected to V12 Finance to continue and complete your application. During the application process you are able to select your desired finance package and complete your personal, employment and financial details to enable your application to be processed.

FAQ- Your Questions

Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?

Once your finance application has been accepted, you are required to read and sign your loan agreement documents online.

Once the documents are signed, the order is complete and your goods will be ready to deliver. For delivery information, please click here.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?

  • To apply for finance, you must be over the age of 18 and be a permanent UK resident for at least 3 years. You must, or your partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit.
  • Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.
  • Other requirements include having a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable).
  • You must also have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction).

Please note finance is not available for unemployed individuals. Applications that have previously been rejected should not be re-proposed within a 3-month period.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.