Theres a 40$ sevylor 4 person inflatable boat at walmart and Im a bank fisher but theres this little lake by my house that has 10lb bass but theres very little bank access and was wondering if this would be worth buying for getting off the shore on days with little wind?

I would go on Craigslist and look for a Sea Eagle inflatable boat.  

you would be better off buying a float tube, much more durable & safe