- You can pay for high-priced home gym equipment and e-bikes at TWHEELS in installments via HeyLight (formerly HeidiPay), instead of paying the full amount at once.
- The term is currently up to 12 months, and approval depends on a credit check by HeyLight.
- Our monthly installments in this article are purely example calculations (price divided by 12). The actual conditions are set by HeyLight, not us.
- Honestly: installment payment is a tool, not a must. If you have the amount available, buying outright is often simpler.
- A dedicated installment payment section on twheels.ch is in progress. Until then, installment payments are processed directly at checkout.
A Pilates Reformer made of maple wood, a fitness pulley tower, or the sprinting machine for the home gym: these are purchases between 1499 and 2029 CHF. An e-bike also quickly falls into this price range. Paying such amounts all at once is a reason for many to postpone the purchase indefinitely. But it doesn’t have to be that way. Through our payment partner HeyLight, you can buy in installments at TWHEELS and spread the sum over several monthly payments. In this article, I explain neutrally and honestly how this basically works, calculate illustrative monthly installments for you, and also clearly tell you when installment payments are rather not worthwhile.
Brief context: We are a Swiss shop with an office in Zurich and a warehouse in Weesen. All prices in this article are CHF gross prices from our shop. The installment amounts you see here are example values, not binding conditions.
Can I buy fitness equipment in Switzerland in installments?
Yes, you can buy high-priced fitness equipment in Switzerland in installments, directly at TWHEELS through our payment partner HeyLight (formerly HeidiPay) at checkout. Instead of paying the full amount immediately, you split it into partial payments and settle it over several months. This applies to the entire range, from home gyms to e-mobility.
Interestingly, installment payments for home fitness are hardly a topic in Switzerland so far. Everyone knows it for phones or furniture, but few think about it for a pulley tower made of oak wood or a Pilates Reformer. Yet the logic is the same: a device you use daily for years doesn’t have to be paid for in a single month from your budget.
Honest expectations are important. Installment payment is no magic and no gift. It postpones payment into the future and is subject to a credit check. Whether and under what conditions you get installment payment is decided by HeyLight, not the shop.
How does installment payment with HeyLight work?
Installment payment with HeyLight works like this: You select HeyLight as the payment method at checkout, enter your details, HeyLight checks your creditworthiness and usually informs you of the result immediately. If installment payment is approved, you pay the purchase price in monthly installments over the chosen term.
The process in steps:
- You add your device to the cart and proceed to checkout.
- You select HeyLight as the payment method and the installment option.
- You enter your personal data. HeyLight performs a credit check.
- Upon approval, the order is triggered, and the device is shipped.
- The installments then run over the agreed term, currently up to 12 months.
Imagine it like leasing a vehicle: You start driving immediately, payment is spread over months, and beforehand the provider briefly checks your creditworthiness. The difference is that after the last installment, the device fully belongs to you and is not returned.
Two things I want to clarify because they are often overlooked. First: The credit check can also be negative. Then installment payment for this purchase is not available, and you pay regularly. Second: The exact conditions, i.e. possible fees, term, and installment amount, are set by HeyLight at checkout. That’s why this article deliberately contains no interest claim but a transparent example calculation. We are currently creating a dedicated installment payment section on twheels.ch that bundles all details. Until it goes live, you will see the concrete conditions bindingly during the payment process.
What does a home gym cost per month? (Example calculation)
A home gym costs about one twelfth of the device price per month if you spread the purchase illustratively over 12 installments. A Pilates Reformer for 1499 CHF thus comes to about 125 CHF per month, the Sprinting Machine for 2029 CHF about 169 CHF. The following table calculates this for our devices, first home gym, then e-mobility.
| Product | Price (CHF) | Illustrative rate over 12 months* |
|---|---|---|
| Sprinting Machine (Curved, Oak Wood) | 2029 | approx. 169 / month* |
| Fitness cable tower (oak wood) | 1649 | approx. 137 / month* |
| Pilates reformer (maple wood, foldable) | 1499 | approx. 125 / month* |
| Indoor bike (oak wood) | 1149 | approx. 96 / month* |
| Water rowing machine (oak wood) | 849 | approx. 71 / month* |
| Walking Pad treadmill (oak wood) | 399 | approx. 33 / month* |
| E-Mountainbike | 2199 | approx. 183 / month* |
| E-Bike City Folding Bike | 1499 | approx. 125 / month* |
| E-Scooter Pro | 789 | approx. 66 / month* |
*Example calculation: Price divided by 12 months. For illustration only. Actual terms (possible fees, actual duration, installment amount) depend on HeyLight and your creditworthiness and will be shown bindingly at checkout.
What you can take from the table: Even the largest devices like the Sprinting Machine or the E-Mountainbike come to 169 to 183 CHF per month in this calculation. That’s a range many can plan for, while over 2000 CHF at once tends to hurt. For the Walking Pad treadmill at 399 CHF, the installment would be about 33 CHF, so honestly, installment payment is hardly worth the effort here; you usually just pay directly.
Is installment payment worthwhile or is saving better?
Installment payment makes sense if you need a device now and the monthly installment fits cleanly into your budget without strain. If you have the full amount available and no time pressure, paying upfront or saving briefly is usually simpler and cheaper. Both are valid; it depends on your situation.
Here’s an honest assessment, without sugarcoating:
| Installment Payment: Advantages | Installment Payment: Disadvantages |
|---|---|
| You use the device immediately instead of saving for months. | Depending on the terms, installment payment can be more expensive overall than paying upfront. |
| Large purchases impact your monthly budget in a planned way, not as a one-time hit. | Installment payment is only available with sufficient creditworthiness and is not guaranteed. |
| Your liquidity remains available for other expenses. | Multiple ongoing installments add up; you need to keep track yourself. |
My straightforward advice: Compare the example installment with your actual monthly budget. If the installment fits comfortably and you don’t want to wait, installment payment is a useful tool. If your budget is already tight, it’s better to save briefly or choose a more affordable device, like the Walking Pad instead of the Sprinting Machine. Installment payment should give you flexibility, not enable a purchase you can’t really afford.
Which TWHEELS products offer installment payment?
Installment payments via HeyLight are especially intended for our higher-priced devices, primarily the large home gym pieces. Basically, you choose the payment method at checkout, and HeyLight shows you the exact availability and conditions there bindingly.
You’ll find the typical candidates for installment payments in two areas:
- Home Fitness (the most common case): Pilates reformer, cable tower, sprinting machine, indoor bike, and water rowing machine. All devices are available in the collection Fitness Equipment by TWHEELS.
- E-Mobility: E-Mountain bike, E-Bike city folding bike, and E-Scooter Pro. An overview of all models is available in the collection E-Mobility by TWHEELS.
If you haven’t decided between the devices yet, our other guides can help you. For a compact introduction, check out our Walking Pad Test and Comparison for Switzerland. If you’re planning a complete home gym, find the order in the comprehensive Home Gym Guide. And if you’re specifically torn between wooden rowing machines and alternatives, see the classification in our article on the wooden water rowing machine as a NOHrD alternative. We assembled and used these devices ourselves, so the assessment is very practical.
Frequently Asked Questions
Does TWHEELS offer interest-free installment payments?
Whether and under what conditions an installment payment is offered is determined by HeyLight at checkout. That’s why we deliberately don’t make a blanket interest claim. You can see the binding details, including any fees, transparently during the payment process before you agree.
How long is the term for installment payments?
The term currently lasts up to 12 months. The exact number of installments and the installment amount will be shown to you by HeyLight at checkout. For simplicity, the example calculations in this article always assume 12 installments.
Is the provider called HeidiPay or HeyLight?
Both refer to the same provider: HeidiPay has renamed itself to HeyLight. If you still see the name HeidiPay during the payment process, it’s the same installment payment solution behind it.
What happens if the credit check is negative?
If HeyLight does not approve the installment payment for your purchase, this payment method will not be available for that order. You can then pay normally with one of the other payment methods available at checkout. The purchase itself is not blocked by this.
Can I also buy cheaper devices like the Walking Pad in installments?
Technically, you choose the payment method at checkout regardless of the price. For a device costing 399 CHF, the calculated installment is only about 33 CHF per month, so honestly, the effort of installment payments hardly pays off. Installment payments are mainly useful for higher-priced devices.
Do I pay more than the store price in the end?
That depends on the terms HeyLight sets for your installment payment. Paying in installments can be more expensive overall than buying outright. That’s exactly why you see the full terms at checkout before you agree, so you can decide for yourself.
Do I get the device immediately or only after the last installment?
Once the installment payment is approved, your order is processed and the device is shipped. You can use it immediately and pay off the amount over time. After the last installment, it fully belongs to you.
Conclusion
A home gym is an investment you use for years, so you don’t have to pay for it all in one month. With installment payments via HeyLight, you can spread the amount at TWHEELS over up to 12 monthly installments, subject to a credit check and with terms that HeyLight clearly shows you at checkout. The example calculations here give you a sense of the scale but do not replace the actual figures during payment. And be honest with yourself: installment payments are a tool for planning, not a free pass to buy beyond your budget.
If you already have your device in mind, check the terms directly on the product, for example with the maple wood Pilates Reformer or the Sprinting Machine, or browse the complete TWHEELS fitness equipment collection and choose HeyLight as the payment method at checkout.
About the author: I am Lena Brunner, editor and tester at TWHEELS in Zurich. I assemble our devices myself, use them in everyday life, and write about them as I would explain to a friend, including the downsides. You can find more about me and how we test on my author page.
