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Peloton Financing

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Hi Gang,

Its been almost two years since I started using the Peloton App with my own Sunny Spin Bike and my Wahoo cadence and speed sensors.  What an amazing experience.  I am in the best shape of my life and more importantly I have proven to myself that I have a passion for spinning – I am so happy with the variety of Peloton class options, have exercised my butt off and the bike didn’t turn into a clothes hanger.

Now I am considering an upgrade.  Why?  For no reason in particular.  My Sunny still works great.  I just want to move to more of a commercial grade exercise bike.  I have stashed away $100 per month for the past two years and I am deciding between a Keiser M3i and of course, the Peloton.


After doing a LOT of research comparing and contrasting the two spin bikes – I thought I would share what I found.

Peloton recently announced that you could now finance the purchase of a new Peloton bike.  Is it a good deal? Here are my thoughts:

Buy Without Financing:  As detailed in my earlier  Peloton App blog purchasing a Peloton bike without financing costs about $3,000 when you add in delivery, $468 class subscription fees for the first year ($39 per month), $125 for clip-in shoes, exercise mat, etc.  Way outside of my budget.

0% APR Financing:  While a 0% down APR sounds like a great detail, the devil is in the details.  For qualified buyers, Peloton allows  you to make 39 monthly payments of $64 for the Peloton Bike+ or $49 for the Peloton Bike (the original). In addition to the cost of the bike, shoes, etc. to qualify for the 0% financing you need to commit to a 39-month class subscription of $39/mo. totaling $1,521.   By my math the grand total over the 39-month period will be almost a $4,053 – $4,455 commitment when you add all the extras.

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