Buy Now
Pay Later

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Quick credit

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Checking your eligibilitywon't affect your credit score.*

Why Finance Your Cardio Purchase?

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Instant Decision

Apply and get a decision in seconds. See more

You can apply to get pre-qualified at any time. Just answer a few questions to see loan options available for you. You’ll get all the info you need to shop with confidence. See less

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Flexible Options

We connect you with the right lending partner for you and your lifestyle. See more

Horizon works with Citizens Pay and Genesis Credit to give you a full range of financing options. If 0% APR isn’t available to you at this time, there may be other loans for which you qualify. See less

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Transparent Plans

No hidden fees or surprises. See more

You’ll know exactly what your monthly payments will be before you buy. There are no upfront costs. See less

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Online Management

Get 24/7 access to your account and the ability to set up automatic payments. See more

Citizens Pay will provide you with an online account so you can view your balance and see monthly statements. You’ll also be able to set up auto-monthly payments or make extra payments. See less

Checking your eligibilitywon't affect your credit score.*

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How the horizon financing
program works:

Step 1
Step 2

Apply to see all the finance options available to you.

Add a product to your cart and select “Checkout with Financing” in checkout.

Step 3
Step 4

Use the secure, online portal to select your finance option and complete your purchase.

After purchase, you’ll get an email to set up and manage your online account.


Contact us at 888.878.9011 or

Checking your eligibilitywon't affect your credit score.*

* Upon submitting your application, Citizens Pay® will complete a full credit review that will result in a hard inquiry on your credit file that may impact your credit score.

Promotional APR Based on Credit: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Minimum purchase: $500. Promotional offers are based on creditworthiness and range from 0% APR – 19.99% APR from the date an eligible purchase is posted to your account until paid in full. Limited time offer. Other transactions charged to your account affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Standard Purchase APR is 29.99% for non- promotional purchases. Account must be in good standing. Subject to credit approval. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.