TL;DR

VERVE Fitness offers Afterpay, ZIP, and Humm on all purchases at vervefitness.com.au. This means you can buy a power rack, barbell, bumper plates, benches, machines, flooring — anything in the catalogue — and spread the cost over instalments. No need to wait and save when you can train now and pay over time. Here's how each option works, what the limits are, and how to choose the right one for your purchase.

Why Finance Matters for Gym Equipment

Quality gym equipment is an investment. A VERVE Zen Power Rack with lifetime warranty, an Elite Olympic Barbell with lifetime no-bend warranty, and a set of IWF-standard bumper plates will outlast a decade of gym memberships. But the upfront cost can be significant.

Buy-now-pay-later options remove the upfront barrier. Instead of waiting months to save for a home gym, you can order today, start training this week, and spread payments over weeks or months.

Afterpay

How It Works

• Pay in 4 equal fortnightly instalments
• First instalment paid at checkout
• Remaining 3 payments deducted every 2 weeks
• Interest-free when payments are made on time
• Late fees apply for missed payments

Best For

Purchases you can comfortably pay off within 8 weeks. Good for individual items like a barbell, bench, or set of plates. Also works for smaller bundles.

Example

An Elite Olympic Barbell 20kg — check current pricing at vervefitness.com.au — splits into 4 fortnightly payments at checkout via Afterpay.

ZIP (Zip Pay / Zip Money)

How It Works

• Zip Pay: Interest-free credit line for purchases. Minimum monthly repayments apply
• Zip Money: For larger purchases. Interest-free promotional periods available (subject to approval). Minimum monthly repayments
• Credit approval required

Best For

Larger purchases where 8 weeks isn't enough time to pay off. Home gym bundles, full rack setups, and commercial orders benefit from ZIP's longer repayment windows.

Example

A Home Gym Essentials Bundle (Zen Rack + Elite Barbell + FID Bench + 100kg Bumper Plates + Collars) — check current pricing at vervefitness.com.au — can be spread over months via ZIP Money with an interest-free promotional period.

Humm

How It Works

• Buy now and pay in slices — typically 5 or 10 fortnightly payments depending on the purchase amount
• No interest on "little things" (smaller purchases)
• "Big things" (larger purchases) offer longer terms — spread over months with Humm's approval
• Credit check may apply for larger amounts

Best For

Mid-range purchases. Humm's flexible instalment options work well for items like the Tori Cable Attachment or a full bench and barbell setup.

Which Option Should You Choose?

For Purchases Under $2,000

Afterpay is the simplest option. Four payments, no credit check, done in 8 weeks. Ideal for individual equipment purchases like barbells, plates, benches, kettlebells, or flooring.

For Purchases Between $2,000 and $5,000

ZIP Money or Humm "big things" offer longer repayment periods. This is the sweet spot for home gym bundles and multi-item orders.

For Purchases Over $5,000

ZIP Money with an interest-free promotional period is typically the best option for larger home gym setups or small commercial orders. For full commercial fitouts exceeding the limits of consumer buy-now-pay-later, contact VERVE directly for custom payment terms.

Commercial Fitout Finance

For large commercial gym fitouts (typically $20,000-$150,000+), consumer buy-now-pay-later may not cover the full amount. Options include:

• Equipment finance: Dedicated gym equipment finance through specialist lenders — the equipment itself serves as security
• Business loans: Through your bank or a business lending platform
• Staged purchasing: Buy core equipment first, add machines and accessories in later phases as revenue builds
• Custom VERVE terms: Contact the VERVE commercial team to discuss payment arrangements for large orders

How to Use Finance at Checkout

1. Add your items to cart at vervefitness.com.au
2. Proceed to checkout
3. Select Afterpay, ZIP, or Humm as your payment method
4. Follow the prompts to log in or create an account with your chosen provider
5. Complete the approval process (instant for Afterpay, may require credit check for ZIP Money and Humm)
6. First payment is processed — your order ships same-day if placed before 12pm AEST

The Maths: Gym Membership vs Home Gym on Finance

A quality home gym setup — Home Gym Essentials Bundle with rack, barbell, bench, and plates — check current pricing at vervefitness.com.au. A premium gym membership in Sydney or Melbourne runs $50-$80/week ($2,600-$4,160/year). Your home gym pays for itself within 1-2 years and then delivers free training for the next 10-20 years, backed by lifetime warranties.

On Afterpay, you'd be paying roughly the same per fortnight as a gym membership — but building an asset you own permanently.

FAQ

Does using Afterpay/ZIP/Humm affect my order or warranty?

No. Your order is processed identically regardless of payment method. Same-day dispatch, same warranties, same customer service. VERVE receives full payment from the finance provider — the instalment arrangement is between you and Afterpay/ZIP/Humm.

Can I combine finance with a sale or discount code?

Yes. Afterpay, ZIP, and Humm work on the final checkout price after any discounts are applied.

Is there a maximum purchase amount for buy-now-pay-later?

Each provider has spending limits that depend on your account history and credit assessment. Afterpay limits are typically lower than ZIP Money or Humm. For exact limits, check with each provider.

Can I use buy-now-pay-later for commercial gym orders?

Yes, up to each provider's limit. For large commercial fitouts that exceed these limits, contact VERVE for custom payment terms.

What happens if I miss a payment?

Late fees apply as per each provider's terms. This doesn't affect your VERVE order or warranty — the instalment arrangement is managed by the finance provider.

## Commercial Gym Finance Beyond consumer finance options, VERVE works with specialist finance providers who focus specifically on commercial gyms and fitness facilities. These partners have financed dozens of VERVE commercial fitouts across Australia, from boutique PT studios to full-scale gym builds. Commercial gym finance typically offers: - **Equipment-specific lending** tailored to fitness industry assets - **Flexible terms** aligned with your gym's revenue cycle - **Higher limits** suitable for full fitout packages - **Tax-effective structures** including chattel mortgages and operating leases If you're planning a commercial fitout or upgrading your facility's equipment, get in touch with the VERVE team to discuss finance options that suit your business. Call **07 5641 2170** or visit [vervefitness.com.au/pages/contact](https://www.vervefitness.com.au/pages/contact) to get started.