Short answer: you can spread the cost with Klarna, and PayPal Pay in 3 or Shop Pay Installments may be offered at checkout. KTQ doesn't run its own finance plan. If you'd rather spread the cost of a treadmill than pay in one go, you're not alone. Here's what the KTQ site actually offers, how Klarna shows up on our product pages, and what to think about before you take on any credit.
Can I pay for a treadmill in instalments?
Yes, there are options. At checkout you can spread the cost with Klarna (pay in 3 or pay later), and you may also be offered PayPal Pay in 3 or Shop Pay Installments, depending on your eligibility. We also take Visa, Mastercard, American Express, Maestro, Apple Pay and Google Pay. The exact options you're offered depend on the provider and your basket, and are shown at checkout.
We don't offer our own finance, and we don't set the terms. Those come from the payment provider, so always read them before you confirm.
Klarna on KTQ product pages
Our product pages show a Klarna message under the price. At the time of writing, it reads like this:
| Model | Price | Klarna message shown |
|---|---|---|
| 3 Series walking pad | £289 | 3 interest-free payments of £96.33 |
| 4 Series | £429 | 3 interest-free payments of £143 |
Each page also carries this small print: "18+, T&Cs apply, credit subject to status." In other words, it's a form of credit, you must be 18 or over and Klarna decides whether to offer it. Whether you're offered it, and the dates payments are taken, is shown by Klarna at checkout.
PayPal Pay in 3 and Shop Pay Installments
We accept PayPal and Shop Pay at checkout. PayPal may offer eligible customers Pay in 3, and Shop Pay may offer Shop Pay Installments. Each provider decides who qualifies and shows its own terms before you confirm, so choose your payment method at checkout and see what's offered for your basket. If an option isn't shown at checkout, it isn't available for that order.
Can I pay for a treadmill monthly?
People often search for a treadmill to pay monthly, but we'd rather be straight with you than promise something we can't show. The only instalment wording on our product pages is Klarna's "3 interest-free payments". We don't state how often payments are taken or whether longer plans exist. Klarna will show the schedule, any other plan it offers for your basket and the total you'd pay before you confirm. If the plan on screen isn't what you expected, don't continue.
Pay later is credit: please read this
Buy now pay later is a form of credit, and it's worth treating it that way.
- Check you can afford every repayment before you agree.
- Missed payments may affect your credit score and may lead to fees, depending on the provider's terms.
- Set a reminder for each payment date so none slips by.
- Only borrow what you need. If you're unsure, pay by card or wait.
- For general information on how buy now pay later is regulated, see the Financial Conduct Authority's guide.
Eligibility is up to the provider, so we can't tell you in advance whether you'll be accepted.
How to pay in instalments at KTQ: step by step
- Choose your machine, such as the 3 Series walking pad or the 4 Series.
- Add it to your basket, or tap Buy it now to go straight to checkout.
- Go to checkout and look at the payment options shown for your order.
- If you choose Klarna, follow the steps they give you and read their terms.
- Confirm only if you're comfortable with the repayments.
What if I change my mind?
Paying later doesn't change your rights. Every KTQ order comes with a 60-day free home trial. If you're not happy, we collect it free of charge and refund you to your original payment method within 14 days of collecting the item. The usual trial conditions apply: original packaging, undamaged, complete, one trial per household per product. Read all of it in the refund policy. If you paid with a pay later provider, ask them how a refund affects your repayments. That part is handled by them.
Other ways to keep the cost down
- Start with the right model. Every KTQ treadmill is functional and versatile, so compare specs before price. Our best treadmill under £300 guide shows what each price point buys.
- Delivery is free to UK mainland addresses, in 3 to 5 working days. See delivery.
- A warranty protects your spend. Every treadmill has a 3-year frame and 1-year parts warranty. See how the warranty works.
Frequently asked questions
Can I buy a treadmill with Klarna?
Klarna is listed as a payment method on KTQ Sports, and product pages show it. Whether it's offered on your order is shown at checkout.
Does KTQ have interest-free payments?
Our product pages show "3 interest-free payments" with Klarna, with the note "18+, T&Cs apply, credit subject to status." Check Klarna's terms at checkout.
Is pay later a loan?
Yes, it's a form of credit, even when it feels small. Check you can afford every repayment, because missed payments may affect your credit score and could lead to fees.
Does PayPal pay in 3 work at KTQ?
We accept PayPal, and PayPal may offer Pay in 3 to eligible customers. If it's available for your order, PayPal shows it when you choose PayPal at checkout.
Can I get a treadmill on finance?
KTQ doesn't offer its own finance. You can choose Klarna or another pay later option shown at checkout. They are credit products, so check the provider's terms first.
Does Klarna check your credit?
Klarna decides whether to offer it and may run checks, depending on the option. Their terms at checkout explain this, and we can't see or influence the decision.
What if I return the treadmill?
Within the 60-day free home trial we collect it free and refund your original payment method. Speak to the pay later provider about how that affects your repayments.
