The Financing Process

Financing your purchase with Leisure Time Inc. is a simple, stress-free process.

Decide Your Budget

Determine Your Budget

Take a look at your finances to determine what’s a reasonable monthly payment that you can allocate towards a new purchase.

Use our monthly payment calculator to see what product models fit within your budget.

Pick Your Purchase

Browse the Shop

Our online shop pages are a great place to familiarize yourself with our product offerings and to compare brands and models. We’ve put together a list of smart shopping tips that highlights best practices for using our website as a shopping resource.

Browsing Our Website

Here to Help

Once you’ve limited your search to just a few items, this is where we come in. Our sales team is comprised of industry experts who can help you find the right product, based on what features are most important to you. Our sales consultants can help answer questions such as:

Which spa is the easiest to maintain?
What is the best method for a basement hearth installation?
How much of an impact will a hot tub have on my electric bill?

You can get in touch with a sales consultant by phone, email, submitting a product quote request, or by visiting our store.

Submit Credit Application

When you stop by our Idaho Falls store to get an in-person look at the item(s) that you want to purchase, we can also begin a credit application during your visit. Applications typically take 15 minutes to complete, and credit decisions have a fast turn-around time.

The two lenders we work with are Wells Fargo Bank and Key Bank. You can complete a single application with us that will be submitted to both lenders. Wells Fargo also accepts applications through their website, so you can apply for credit from the convenience of your home. If you choose to go this route (or prefer to find your own financing solution), just let your sales consultant know during your visit.

Did You Know?

Applying for the same type of loan from multiple lenders within a 14-day window will only result in a single hard inquiry on your credit history (source: Experian). This means that you can complete an application with us and also shop for an offer elsewhere without any additional points taken off your credit score.

We don’t offer a dealer-backed financing program. Instead, we work with third-party lenders to meet our customers’ financing needs, so you don’t have to worry about getting pre-approved before visiting our store. Our goal is to help you find the product that’s right for you and your home, and when it comes time to finance, we simply want to be a great resource.

Select Your Best Offer

Signing Contract

Once you’ve found that perfect spa or fireplace and submitted a credit application, it’s time to choose the solution that best fits your needs. The offers you receive may or may not cover the entire cost of the item that you want to purchase. Credit offers are determined by a number of factors, such as employer-reported income, DTI (debt-to-income ratio), credit score, length of current employment, etc.

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.