Third-party Financial Institutions

Leisure Time Inc. partners with four financing providers to cover every purchase scenario. Wells Fargo, Key Bank, and GreenSky offer multi-year financing for showroom purchases like hot tubs, fireplaces, saunas, swim spas, and large outdoor living installations. Klarna offers Buy Now Pay Later and short-term monthly financing for online orders including spa chemicals, accessories, parts, and other smaller purchases. The right option depends on what you're buying and how you'd like to pay over time.

For large showroom purchases, choose from Wells Fargo, Key Bank, or GreenSky. Wells Fargo and Key Bank are traditional bank lenders with established home improvement programs and longer track records. GreenSky offers the fastest approval process — often a credit decision in seconds — and can fund loans up to $100,000 with deferred interest options. We can help you compare offers from all three at any of our Idaho showrooms, or you can apply directly online with any of them.

Klarna Pay in 4 splits any online purchase into four interest-free payments over six weeks — 25% paid at checkout, then 25% every two weeks for the next six weeks. There's no interest, no credit score impact (Klarna uses a soft credit check), and no fees if you pay on time. Klarna Financing is for larger online purchases (typically $299 and up) and spreads payment over 6 to 24 months with APRs ranging from 0% to 33.99% based on your credit. Pay in 4 is best for smaller purchases under a few hundred dollars; Klarna Financing works for larger online orders where you'd benefit from longer terms.

Approval timelines vary by lender. GreenSky offers the fastest decisions — 85% of applicants receive an instant approval within seconds of submitting their application. Klarna Pay in 4 approves at checkout in real time through a soft credit check. Wells Fargo and Key Bank applications typically receive a decision within 1 to 2 business days for standard applications, though many applicants are approved within minutes for smaller amounts. If you're in a showroom finalizing a purchase, we can often help you complete an application and receive a decision before you leave.

Each lender has its own approval criteria, but generally a credit score of 640 or higher gives you the broadest selection of offers, and 700+ unlocks the most favorable rates. Approval is also possible with lower scores depending on income, debt-to-income ratio, and the loan amount you're requesting. Because we work with four different lenders, customers who don't qualify with one lender often qualify with another. We can help you understand which lender is most likely to approve your situation.

You can apply online with all four lenders, no showroom visit required. Wells Fargo, Key Bank, GreenSky, and Klarna all offer fully online application paths. That said, many customers prefer to apply in person at one of our Idaho showrooms (Boise, Idaho Falls, or Twin Falls) so a consultant can walk through the differences between lenders, help compare offers, and answer questions about specific products. If you'd rather apply by phone, call your nearest showroom and we'll connect you with a consultant who can guide you through the process.

It depends on the lender and the product. Wells Fargo, Key Bank, GreenSky home improvement loans, and Klarna Financing (the long-term option) all require a hard credit check during the application, which typically reduces your credit score by a few points temporarily. Klarna Pay in 4 uses only a soft credit check and does not affect your score. Some lenders also offer pre-qualification that uses a soft check to show you potential offers before you commit to a full application — ask us in the showroom if you want to explore options without a hard credit pull.