Take the Stress out of Financing
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 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. Pick your purchase
3. Submit credit application
4. Select your best offer
Financial Tools and Tips
Credit Basics
Discover what factors determine your credit score, and learn about how your score affects your borrowing options.
Learn About Credit ScoresPayment Calculator
Calculate what you can afford based on your desired monthly payment, expected APR, and loan length.
Calculate Your PaymentsShopping Tips
Shop with confidence, using Leisure Time Inc.'s smart shopping checklist as your guide.
See Our Shopping TipsFrequently 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.
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.
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.
I AM INTERESTED IN ONE OF THE PRODUCTS AT YOUR STORE. HOW DO I APPLY FOR FINANCING?
We encourage you to 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 also allows for applications to be submitted online, so you can complete it at your leisure.
Have a Question That’s Not Answered Here?
Ask us. One of our team members will answer
your question within 24-48 hours.
Disclaimer: Leisure Time Inc. strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All information is presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.
