Does it have a TV?

No, it doesn’t have a TV. but you can place your device in the tablet holder.

How loud is it?

It's quiet enough, and you can hear your TV sound without any trouble or little bit increase in it. It's actually the belt which makes a little noise due to its friction, which is reasonable.

Do I really need to subscribe to iFit to use the treadmill? Even if I’m not interested to use the ifit coach

No, if you hold the ifit bluetooth button (on the right side of the console) for 30 seconds, you can bypass the ifit activation screen and can use the treadmill without any monthly charges.