We have a total gym, the XLS and it's pretty good. Works you out hard, my hubby has lost about fifty five pounds using the total gym and he's looking awesome. It's a hard work out though, and I think the only difference in machines is the weight limits. So check into that and make sure you get one that can support well over what you weight currently because the rails can get bent. I wish it was easier for me to use the Total Gym, but I just can't, I have bad balance because of losing my left leg and all, and it's just difficult for me. Bow flexes are a rip off i hear, because they charge ungodly interest, now I don't know about Total Gym financing, because our was private pay.