Boat and ATV Layaway. Learn How It Works.
We know what you’re thinking. You’ve seen the latest new boats and ATVs and you can’t wait to add one to your collection.
Or maybe you’re just starting out and have bad credit or no credit and have been hoping to get the right ATV or boat to start enjoying your recreation time even more. There is no shortage of fun to be had on a new boat or ATV.
With countless boating events and numerous trails to explore around Canada, you and your family can look forward to hours of quality time together.
Unfortunately, some people aren’t sure how to get that new boat or a adult or kids ATV. Maybe you don’t have the money now.
And maybe financing isn’t your best option.
If you’re worried that great deal is about to get scooped up by someone else, we have an answer for you.
Boat and ATV layaway programs are an easy and affordable way to get the fishing boat or ATV you want. Not sure how it works?
We can help. Here goes:
Boat or ATV Layaway Is Easy
Some customers are scared off when they hear layaway. They associate layaway with Christmas purchases or a new clothing item.
But for many boaters and ATV enthusiasts layaway is actually the best option. It is easy to get exactly what you want without paying heavy interest rates.
Boat or ATV layaway makes it possible for everyone to pick out the boat or ATV they want and get the best possible deal.
Even if you don’t have great credit.
Don’t Worry About Your Credit
Many customers of Westshore Marine are relieved to know that they can get the best ATV or boat on the market. Even if they don’t have the best credit boat and ATV layaway still works as an atv financing option.
And unlike traditional credit, you don’t need to pay interest rates. If you have hesitated to purchase a new boat or ATV you can stop waiting.
With boat or ATV layaway there are 6 simple steps to getting the boat or ATV you want.
Here is how:
1. Pick Out Your Boat or ATV
There are amazing deals out there. And if you’ve read this far you might already have something in mind.
But if not, go to your dealer of choice who offers boat or ATV layaway and start shopping. When you find the equipment you want it’s time to secure the boat or ATV with a down payment.
2. Pay a Down Payment
Once you have the ATV or boat you want it’s time to place down payment information on the equipment to secure it. There are few things more exciting than realizing you got a good deal on exactly what you wanted.
The down payment secures your purchase and special offers. Different dealers offer different down payment plans.
But the goal is to keep layaway affordable for you. It may be somewhere around 10 percent of the purchase price.
But at the same time, sometimes you will need to pay a small fee for layaway programs.
3. Your Service Fee Is Due
We cover a bit about service fees below. But know that sometimes a flat rate is essential for the dealership processing your layaway plan.
Just think, they need to track your payments and stay up-to-date on your remaining balance. Plus, when it comes to equipment the size of boats and ATVs they will also be using up space and not charging storage fees for your boat or ATV.
Be comfortable with the service fee.
4. Pick Your Plan
Your layaway plan will vary based on the length of the term. Some dealerships offer different options based on used or new models.
You want to set a payment schedule and balance out your financial needs against the down payment and how soon you can begin enjoying your new boat or ATV.
5. Make your Payments
You will then begin making regular payments on your boat or ATV. With layaway programs, these payments are easy to handle as they all go toward paying off your balance.
You aren’t paying extra interest to a financing company or the dealerships. Every dollar and additional payment gets you closer to enjoying your boat or ATV.
Plus, in most cases, you won’t have to pay any insurance on your new equipment until you take it off the lot. Unlike financing, you remove insurance charges until your new boat or ATV is paid in full.
As you watch the balance remaining on your layaway plan approach zero and your final payment is due it’s time to get ready to enjoy your new boat or ATV.
6. Start Enjoying!
When your set payment schedule gets down to zero with boat or ATV layaway the time has come to start enjoying.
You can start cruising the trails and enjoying the waterways. It’s really that simple.
Sill have concerns about layaway as an option? We understand.
Here are some other things to keep in mind:
Concerns With Boat or ATV Layaway
Despite the benefits of layaway, there are some concerns that consumers need to be aware of when purchasing with boat or ATV layaway.
Patience Is a Virtue
When you see the boat you want it can be excruciating to wait. You want to find the closest launch, set your boat in the water, and start enjoying every moment outdoors.
The same is true when it comes to ATVs. After your initial payment sometimes there is nothing worse than waiting when it comes to boats and ATVs.
But waiting is exactly what you will need to do when you use boat or ATV layaway.
A layaway order is great opportunity to buy the equipment you want. But you’ll have to wait until it’s paid off before you use it.
Unlike traditional financing, you can’t start using your new boat or ATV right away.
One thing to consider carefully is the payment terms you make when choosing layaway. Keep them as short as possible to start enjoying your new boat or ATV.
Cancellation Fees
Some layaway plans have cancellation fees if you change your mind down the road. This is appropriate due to the equipment being out of stock and the fees associated with selling the dirt bikes, go karts, boats and ATV again.
Be sure to understand the cancellation fees before you sign.
Service Fee
There is typically a service fee for boat or ATV layaway. The same is true for all layaway plans.
The dealer needs to charge a fee to process payments and handle the administrative tasks that go into tracking your layaway plan. Even so, you’ll find what you pay in a small service fee is much less than the interest payments associated with a new boat, UTV or ATV.
When it comes to owning a boat you will need to register the craft and make sure you have safety equipment. The same is true for costs associated with ATVs.
Make sure you aren’t shelling out too much on layaway service fees.
Be comfortable with the monthly payments and service fees your dealer charges and order total before signing.
Warranty Issues
Make sure before you sign up for boat or ATV layaway that you understand the warranty terms and order status your dealer offers.
Hopefully, the warranty won’t start until your layaway is over and you are ready to take your boat or ATV off the lot.
Double-check those terms and make sure your warranty doesn’t start on day one of layaway.
As the say, buyer beware. Not all dealers are created equally.
Not Every Dealer Is Created Equal
Once you learn how easy it is to use boat or ATV layaway plans to get the exact equipment you want you may be ready to run to the nearest dealer and get started.
But unfortunately, not every boat and ATV dealer is created equal. You will want to find one with a great selection of boats, side by sides, and ATVs. You will also want the products backed up with incredible service offerings.
What’s more: Not all dealers offer layaway plans when it comes to boat and ATV purchases. Just because they have great products or service doesn’t mean they can help you with a layaway order.
In fact, some boat and ATV dealers offer layaway on other equipment and supplies but fall short when it comes to the equipment you really want.
Before you head to the dealership and pick out the ATV or boat you want, make sure you aren’t risking a broken heart. Especially if you can’t purchase outright now, or need payment options, make sure they offer a layaway plan for the boat or ATV you need.
Westshore Marine can help when it comes to using boat or ATV layaway to purchasing from the best selection, with outstanding boat service.
We Can Help
Don’t wait another day to get the ATV or boat you need for fun and leisure time.
Westshore Marine & Leisure is located in Arborg, Manitoba on the north side of Winnipeg. A family owned and operated business, we pride ourselves on the customer experience.
Sales to service, we provide our customers with the most enjoyable experience around.
We will help you with boat or ATV layaway and financing. We make the process easy for all our clients.
Our customers love Westshore Marine because our sales and service team deliver consistent quality.
We can help you too.
Contact Westshore Marine and begin the simple process of buying the boat or ATV you have always wanted right now.