Mistakes People Make When Buying a New Jet Ski

You probably came in looking for how to buy a Jetski, or ways to get the best deal on a jet ski, or maybe to learn the tricks that jet ski salesman play to overcharge you on one? If you did then you came to the right place. I will talk about all the mistakes you make when buying a Jet ski to make you a more informed buyer.

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The Number One Mistake

I want to start off with the number one mistake that most people make when buying a watercraft… it’s not like buying a car. Forget about all the bad experiences and all the horrible things you’ve heard about how or what car salesman do. When buying a watercraft it is very different than buying a car.

A car dealership can sell you a car at dealer invoice and still make money. If a Jet Ski dealership sold you a jet ski at dealer invoice they will soon be out of business. One of the reasons for this is because cars are shipped ready to go, besides removing some cosmetic pieces. Jet Ski’s on the other hand, are shipped in crates and do to them needing to be compressed will require the jet ski to be assembled.

A dealership will have to pay someone to get the units out of the crate, not easy work especially since jet skis are sold during the hottest days of the year. On top of that some jet ski manufacturers don’t even ship a battery with the units and if they do ship one it doesn’t have the fluid nor is it charged to go. A “good” battery will cost you $165, so don’t be surprised if a dealer charges a prep or doc fee to help with this cost.

Also, don’t be surprised if a watercraft dealership charges you freight especially on the lower price models. It cost money to get anything shipped these days. The manufacturer ships the units in crates to protect them in transit on Semi-trucks. Just like when you buy anything on Amazon you get charged shipping so does the dealership with Jet Skis. You might be wondering why can’t the dealership just absorb the cost of shipping? They can’t, which leads me to my next point.


In the world of 40% off to even some places with 80% in most retails stores, people seem to think that Jet Ski dealers have great markup. The fact is that people like to feel like they’re winning and seeing signs that say 50% off makes people feel like they got a good deal. The problem is that this places a wrong mindset for people and they think everything has at least a 40% markup especially luxury items like watercrafts.

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Don’t get me wrong, I enjoy a good deal myself but you must realize that everything doesn’t have a great markup. Don’t be off put if a jet ski dealership charges you freight since some jet skis may only have a $200 markup while it cost the dealership $400 to get it shipped there. Yes, you read that right, no I’m not fooling you, some jet skis only have a $200 markup. You can’t run a dealership on $200 especially if it cost $400 to get the unit to your store.

The Best Time to Buy

Finding the best time to buy can affect markup. Some manufacturers will sometimes come out with rebates to help lower the prices of the units. You can always find the rebates on the manufacturer’s website and they’re usually dealership direct rebates, meaning the dealership will subtract the rebate from the machine when you buy.

The good news is that you can even save more money by getting rebates. The bad news is that usually rebates are only given at the end of the season or on leftover models. In the summer most dealerships have sold out of all the prior year models. So the best time to buy a jet ski is the worst time to ride one, but you still get some deals in the summer. For example, the manufacturer may give some extra warranty or promotional financing.

Tip: if a manufacture gives you an option of either a rebate or extra warranty, always go with the extra warranty. The money you save with the rebate will never be as good as the dollar value of the warranty.

Financing a Jet Ski is Different From a Car

A little trick that car dealers have is to make some extra money off the financing. Jet Ski dealerships usually get their financing from the manufacturer and make no extra money off the deal. What happens is that a manufacturer will team up with a bank to buy down their rates on watercraft. These rates are different for different parts of the state but they run lower for people that qualify.

So the dealership doesn’t get to choose the rates or the terms but merely act like a middle man for the bank and the customer. Don’t be surprised if the dealership tells you a list of rates and terms, they usually have no control over it. The rates that are usually offered are sometimes better than going somewhere else to get the same loan.

Also, keep in mind that getting approved for a jet ski is a lot harder than getting approved for a car. A car is seen as a must have for your daily life while a jet ski is more of a toy. As the bank sees it if you lose your job the first thing you’ll stop paying on is all your toys.


Do You Get A Discount For Paying With Cash?

Financing a watercraft and paying cash (check) is the same for the dealership. The only difference is that the money from financing might take a day or two for the dealership to get. Becuase of this most dealers won’t give you a discount for cash and some might even hate that you use cash if they use a 3rd party bank that gives them a kick back.


Would a dealership give you a discount if you pay cash (write a check)?

Probably not.

But it never hurts to ask.


Can You Pay With A Credit Card?

I do it too. I like getting those points from my credit card. I often get people asking if they can pay with a credit card so that they can get the points or the cash back offers that their credit card company gives them.

Most dealerships will have a cap or a certain amount they’ll allow for you to use a credit card for. A lot of dealerships might not even allow credit cards for a big purchase like a Jet Ski.

Why can’t you use a credit card?

Well, the margins are not great on watercraft as I showed early in this post and that cash back or points you get is paid by the dealership to the credit card companies. That is where the money comes from to pay for your points and most dealerships can’t afford to eat that cost.

To give you an example many credit card processors will charge the dealership a 2% fee to use them. So if you buy a jet ski that is $10,000 it will cost the dealership $200 just for that one purchase. With some watercrafts having $200 markup, that eats away at all the profit. If using a credit card is preferred then talk to the dealer about it and see what they can do, sometimes they’ll allow it if you pay the processing fee.

Don’t use KBB when Buying New

I’m surprised that I even have to add this but it does happen. You find a prior year model watercraft (new 0 hours – never been registered) and your local dealer gives you a price. To make sure you’re getting a good deal you go online to KBB or NADA to see what price it should be and see that the dealership is thousands more than what KBB says.

The reason why you don’t use KBB to tell you what price you should be paying for your NEW Jet ski is because KBB is there to tell you what price you should pay for a USED jet ski. Just because the Jet Ski is a leftover model does not mean it’s USED. The leftover model is still NEW since it has no hours on it and the warranty has not started.

If the unit was actually used than KBB would be a great tool for getting a price on a unit but if a dealership has a leftover model that’s never been registered than KBB would not be a fair way to get a price. YOU WILL NEVER FIND A NEW UN-REGISTERED JET SKI WITH ZERO HOURS ON IT FOR KBB PRICE. KBB IS ONLY FOR USED.

Test Drives

This is another one that people compare jet ski dealers to car dealers – test drives. All the cars that a car dealership gets in are all ready to go and you can easily take any one you like out before you buy. You’ll be a fool not to.

This is not so easily done with watercraft. It’s nothing for you to hop in a car and take it down the road, but with a jet ski you need water and most dealerships are not on the water. Also, watercraft dealers don’t have one of every unit ready to go. It’s better for the dealership to keep the units in the crates since that is the best way to keep it clean and pristine for its new owner. Would you rather have a jet ski that’s fresh in the crate or one that many people have been on running around and crashing into docks since it’s their first time out? I’m sure you want the one in the crate since it has not been in the water.

The good news is that some dealerships will have demo models they will let you ride. The bad news is that they may not have the exact machine you’re looking for in demo status. Most dealerships can’t afford to have one of each machine in demo status so they may have one or maybe two that you can ride.

Some dealerships will do events that allow you to take a demo machine out during a “demo days”. Call up your local dealership and see when they do these events. If you can’t make it to a demo event then call ahead and talk to a salesperson to set up a time to ride. Don’t get mad if you walk in and they can’t do a test ride that day. Find a time and place that fits both of you.

This is also when you should trust your salesman since they more than likely have ridden every model and can help you find the correct machine to fit your needs. You may not even need to test ride a jet ski after talking to your salesman and having them put you in the correct machine. Make sure you sit on the machine and tell the salesman all the features you’re looking for and I’m sure they will find you the correct machine without either of you having to get wet.


They Get Busy

If you ever worked with the public you’ll know that one minute you’ll be bored with no customers coming in and the next you’ll be super busy. Jet Ski dealerships are the same, and its worse in the summer time.

Sometimes you’ll go to the dealership and everyone is busy and helping another person. Don’t worry. These things happen and to be honest, in about an hour it will probably be slow again – unless it’s a Saturday or Friday in the afternoon as those will be busy til it’s time to go home.

The best thing to do to beat the rush of people and to make sure you get helped and have your questions answered is to email the dealership first. The perks of email is everything is in writing so if you strike up a deal then you’re good to go. Also, with email, they can answer your questions better by linking to things like video’s or attach a PDF of current promotions. I do still recommend going to the dealership and looking/sitting on the machines to get a feel for them.

Often enough, Mondays through Thursday’s are slow or just steady. Those are the best days to check out jet skis.

Not Buying the Correct Gear

You’ll be surprised by what dealers won’t tell you when it comes to the correct riding gear. We created the 17 must have accessories for Jet Skis to help you get started on riding your new watercraft.


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  • Wade Covington

    I am considering an FX Cruiser and your article really gave me a better expectation of how to handle the deal.

    One question – the dealer told me the PWC does not come with a cover.

    What gives?

    • Some models come with covers but those are usually the Limited models. I know the feeling – you’re spending a lot of money on this PWC they should at least give you a cover – but the markup on the PWC and cover is not as good as everyone thinks. What you could do is ask them to discount the cover to something like their cost so that you both come out ahead. What I would honestly do is not get there cover as covers don’t last long and maybe look into getting a cheaper universal cover. If the cover is going to wear out in 3 to 5 years might as well go with a more affordable option. I answer some common questions on covers and give tips on them here that you might find interesting.

  • What is your advice on purchasing a trailer at the same time? Do dealerships have some wiggle room if you are purchasing PWC, trailer and accessories all at the same time?

    • Trailers can be tricky because they don’t have much wiggle room themselves. Some dealers even sell them for real cheap because there is more money to be made in the jet ski. The trick is to find out if the dealership buys all their trailers at once to get the discounts, they usually have several in stock and keep them stocked. Don’t let price be the only factor, try to get the aluminum trailers as they’re far better and last longer than painted trailers.

  • That makes sense! I definitely would like to get an aluminum trailer as It will be trailered a couple hours to some of the places I ride. I’m not sure if the dealers around me stock trailers in bulk or not. I live in Missouri, but I found a dealer in Orlando who tends to have their stuff listed a couple hundred under MSRP and the skis I have looked at say they come with a free aluminum trailer. It may be worth the drive and gas money to travel to Florida when I purchase.
    Thanks for the quick reply!

    • Careful with out of state dealerships, the lay the bait in hopes of out of state buyers. It may seem like a good deal online but when you get their things change quickly and since you’re so far away you’re stuck. It’s best to get everything in writing before leaving. And out of state jet skis can get messy with taxes, each state is different and just because you bought out of state doesn’t mean you don’t have to pay your local state taxes, and if you forget they will find out eventually and charge interest. I highly recommend sticking to best price you can get from your 3 closest dealerships instead of traveling several states over, mostly because warranties/promotions are different especially in FL (they usually get way different warranties and promotions then everyone else and they can sometimes be worse).

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