Financing Your Purchase

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

Financial Institutions Logos

We work with leading financial institutions to bring you competitive financing options.

Breaking Down the Financing Process

View 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

1. Decide Your Budget

2. Select Product

2. Select Product

3. Submit Credit Application

3. Submit Credit Application

4. Select Your Best Offer

4. Select Your Best Offer

Financial Tools & Tips

Credit Basics

Discover what factors determine your credit score, and learn about how your score affects your borrowing options.

Payment Calculator

Calculate what you can afford based on your desired monthly payment, expected APR, and loan length.

Shopping Tips

Shop with confidence, using Leisure Time Inc.'s smart shopping checklist as your guide.

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.

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