Play Now, Pay Later


Ready for your next kayak or canoe but not quite ready to let go of all the cash at once? We understand! Fluid Fun offers financing through U.S. Credit, Inc. for any purchase over $500! The process is simple, easy, and safe to use. Check out the terms & conditions & begin the application process with the link below. You’ll be out on the water in no time!

Application Instructions:


Step 1: To see if you are eligible to apply for financing you will be asked to provide your full name, current address and last four digits of your social security number. This is a credit ‘soft-pull’ and will not impact your credit ratings or score. If you are eligible, you will then complete the credit application. You will be asked to provide your basic demographic information and prompted to set-up an account to access the customer portal. Your email address will be your User ID; you choose your password.

Step 2: Read and acknowledge the Application Agreement (Consent to Review Credit), Privacy Policy, and Consent to Receive Information Electronically by checking the appropriate box and then submitting your application.

Within 60 seconds you will receive your initial credit decision; either an approval or a denial. If you are approved move on to Step 3 of the process.  If you have been denied, you will receive a letter in the mail with the specific reason(s) for the denial.

Step 3: Upload an image of your current state issued photo ID to the customer portal. U.S. Credit will not accept information via fax or email.

Step 4: Stop into the shop or give us a call at Fluid Fun to place your order! Remember the minimum financing amount is $500.00.

Step 5: When your purchase invoice is complete, you will receive an email from DocuSign with a link to your documents.  You will be prompted to electronically sign your documents. Once the e-signature process has been completed, U.S. Credit, Inc. will disburse payment directly to Fluid Fun. We’ll give you a call when your order is complete and your purchase is ready to be picked up!



Fluid Fun offers a layaway program that allows you spread out your payments over the course of 90 days.  A simple 25% down will secure your boat for you. After payments of 25% at 30, 60, and 90 days, your next kayak, canoe, or paddleboard will be all yours in just a few months! (Or less, if you’d like to pay it off early.) Just ask us about layaway when you stop into the shop or give us a call & we’ll get an order started for you!