Financing Your Purchase
Take the Stress out of Financing
Our sales associates are a quick phone call away
Credit decisions made within minutes
Discover what you can afford using our budgeting tools
Third-party Financial Institutions
We work with leading financial institutions to bring you competitive financing options.
Breaking Down the Financing ProcessView the Financing Process
If you are new to financing or just want a refresher, take a look at the steps to financing your purchase with us.
1. Decide Your Budget
2. Select Product
3. Submit Credit Application
4. Select Your Best Offer
Financial Tools & Tips
Frequently Asked Financing Questions
How do I check my credit score?
There are three major credit bureaus in the US (Experian, TransUnion and Equifax). Each company gathers information about your credit history and forms a credit score based on factors such as utilization and payment history. You are entitled to a free annual credit report from each agency.
What factors affect my monthly payment?
Your monthly payment is affected by your APR, down payment, loan term, and by the cost of your purchase. To calculate your monthly payment on any items in our shop, try out our monthly payment calculator.
Does Leisure Time Inc. offer dealer financing?
At this time we do not offer a dealer-backed financing program. But we have had great experiences with the third-party lenders that we work with. We are happy to recommend them to our loyal customers. We do all of our financing with Wells Fargo or with Key Bank, both offer great options for those looking to finance with us.
How do I apply for financing?
We encourage you to come visit our store (if you haven’t already) to see the item in person. While you’re here, we can fill out a credit application with both of our lending partners. Wells Fargo Bank allows for applications to be submitted online, so you can complete it at your leisure. We work with Key Bank as well, where applications can also be filled out online on your own time and schedule.