Why let cash-flow keep you from enjoying your favorite new bike, kayak or paddleboard? We offer the following financing options: Layaway – Up to 90 days. We hold your merchandise while you make payments at your own pace, with no interest. 90 Days Same As Cash – No money down, no interest for 90 days. (Better than layaway because you take the merchandise home right away) 6 Months – Take your merchandise home and pay over 6 months time.* 12 Months – Take your merchandise home and pay over 12 months time.* * Subject to credit approval. Loan approval typically takes 15 minutes, in store. Loans are underwritten by the Personal Finance Company®, with offices in Warsaw, IN.