Installment Payments at TWHEELS: Home Gym and E-Mobility in Convenient Installments

You don’t have to pay for premium devices all at once. A Pilates reformer, an E-Mountain Bike, or a water rowing machine will accompany you for years, so the price can also be spread over several months. At TWHEELS you have two options: installment payment with card via HeyLight or purchase on invoice via PowerPay. You select both directly during checkout, and you see the binding terms there before you agree. Depending on the order amount and credit check, HeyLight may offer 3, 4, 6, 10, 12 or 24 monthly instalments for orders up to CHF 5'000.00. The available options and binding terms are shown at checkout.

What payment methods for installment payment are available at TWHEELS?

You have two options, depending on whether you want to pay in fixed monthly installments or settle later.

HeyLight (installment payment with card) PowerPay (purchase on invoice)
Principle Split purchase price into fixed monthly installments Pay only after receipt, optionally in installments
Term up to 24 monthly installments 30 days until full payment, installment payment beyond that
Payment methods Debit or credit card (Visa, Mastercard, Amex) Invoice, no card needed
Costs for full payment Terms at checkout Payment deadline, interest and fees according to PowerPay terms
Costs for installment payment Terms binding at checkout Interest and fees according to PowerPay terms
Requirement valid card, ID check for high amounts Credit check by PowerPay
In short: HeyLight is the way for planned monthly installments over a longer period. PowerPay is the way if you want to pay only in 30 days (under PowerPay terms) or prefer an invoice over card payment.

How does installment payment with HeyLight work?

In three steps, directly at checkout, without app and without registration.

  1. Add your device to the cart and select HeyLight as the payment method at checkout.
  2. Enter your debit or credit card and choose the term (up to 24 months, depending on the order amount and credit check). For higher amounts, you briefly confirm your identity.
  3. The first installment is charged immediately, each further one automatically every 30 days. After the last installment, the device is fully yours.

How does purchase on invoice with PowerPay work?

You get the goods first and pay afterwards.

  1. Choose PowerPay at checkout, purchase on invoice. PowerPay performs a brief credit check.
  2. You receive an invoice showing the applicable payment deadline. PowerPay terms apply, including any interest and fees.
  3. If you don’t want to pay everything at once, use installment payment. Then PowerPay charges interest according to its fee schedule on the outstanding balance.

How much does a home gym cost per month?

Illustrative, based on 24 monthly installments via HeyLight. Pure example values, price divided by 24. The actual terms are shown to you by HeyLight at checkout.

Product Price (CHF) Illustrative rate for 24 months*
E-Mountain Bike CHF 1'999.00 approx. CHF 83.29 / month*
Sprinting Machine (Curved, Oak) CHF 1'849.00 approx. CHF 77.04 / month*
Fitness Cable Tower (Oak) CHF 1'649.00 approx. CHF 68.71 / month*
Pilates Reformer (Maple, foldable) CHF 1'499.00 approx. CHF 62.46 / month*
Water Rowing Machine (Oak) CHF 999.00 approx. CHF 41.63 / month*
E-Scooter Pro CHF 789.00 approx. CHF 32.88 / month*
E-Scooter Lite CHF 609.00 approx. CHF 25.38 / month*
Walking Pad Treadmill (Oak) CHF 399.00 approx. CHF 16.63 / month*

*Example for 24 months: equipment price divided by 24, rounded to the nearest centime. Any rounding difference is adjusted in the final instalment so that the example instalments add up to exactly the stated equipment price. Any financing costs are not included in this simple price split; the actual instalment amount and total cost are shown at checkout before you agree.

Is installment payment worth it or better to pay immediately?

Honest assessment: Installment payments make sense if the monthly rate fits cleanly into your budget and you want to use the device now. If you have the full amount available, buying outright is often simpler. For a PowerPay invoice purchase, follow the payment deadline and terms stated on the invoice. For long terms with fixed monthly rates, HeyLight is intended. Installment payments should provide flexibility, not enable a purchase your budget can’t support.

Frequently Asked Questions

Can I buy on installments at TWHEELS?

Yes. You can pay with HeyLight in up to 24 monthly installments by card or buy with PowerPay invoice and optionally pay in installments. You choose both at checkout.

Are there interest charges on installment payments?

The binding terms are shown by the respective provider at checkout. PowerPay invoice purchases and any partial payments are subject to the applicable PowerPay terms, including interest and fees.

Do I need a credit card?

For HeyLight, you need a debit or credit card (Visa, Mastercard, Amex). For PowerPay invoice purchase, you don’t need a card.

How long is the term?

With HeyLight, up to 24 months, depending on the order amount and credit check. With PowerPay invoice purchase, you pay within 30 days or use installment payments beyond that.

Do I get the device immediately?

Yes. As soon as the payment is approved, the order goes to shipping. You can use the device immediately and pay over the term.

What happens if the credit check is negative?

Then this payment method is not available for the purchase, and you pay with one of the other options at checkout. The purchase itself is not blocked.

Ready? Check out the fitness equipment and the E-Mobility, or read the detailed guide Buying Fitness and E-Mobility on Installments. Specifically for certain categories: Treadmill on Installments and E-Scooter on Installments.