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Synchrony

Fitness Equipment Financing – Flexible Payment Options at Top Fitness

Clear, transparent terms. No prepayment penalties.

Special Financing Available*

*Subject to credit approval. See store for details.

Apply Now
Person using gym equipment (stock photo) | Top Fitness

Easy. Convenient. Secure.

Top Fitness Freedom to Play Credit Card

Whether your purchase is a surprise or expected, we'll get you taken care of. Get a decision in seconds with no impact to your credit bureau score.

See if you prequalify

Ready to take the next step?

Build Your Dream Gym with Synchrony

Whether it’s a planned purchase or an impulse buy, our program is here to support you. Experience secure transactions, quick processing, and exclusive perks—all designed with your active lifestyle in mind.

Apply Now

How it works

1. Quick Application

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Apply in a snap with instant decisions for most.

2. Use Card Instantly

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Your card is ready to use if you're approved.

3. Pay Over Time*

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Convenient financing options available.*
Person using gym equipment (stock photo) | Top Fitness

Easy. Convenient. Secure.

Top Fitness Credit Card Program

From unexpected purchases to planned upgrades, we make it easy to get what you need, when you need it.

*Subject to credit approval 

Prequalify Now

Frequently Asked Questions

How does it work?
  1. Apply easily with fast approval decisions for most applicants.
  2. Once approved, your card is ready to use right away.
  3. Enjoy flexible payment options, so you can finance with confidence.
How do I pay?

Paying your bill or viewing your balance is easy with the following options.

  • Pay by phone*: Contact Synchrony Bank Customer Service at 1-866-396-8254
  • Pay online: Pay your Synchrony HOME Freedom to Play Credit Card online atSynchrony’s website.
  • Mail to: Synchrony Bank. P.O.Box 960061Orlando, FL 32896-0061
What is the benefit?

Enjoy $0 fraud liability and no annual fee.** Benefit from a dedicated credit limit for your home gym projects, and enjoy a hassle-free application process with quick credit decisions.