Powersport & Recreational Vehicle Loans in Canada

We work with lenders who consider all credit scores, from excellent to fair. Even if you have less-than-perfect credit, you may still qualify for financing. The better your credit score, the lower your interest rate is likely to be. Our pre-approval process will show you what offers are available based on your individual situation.

Down payment requirements vary by lender and vehicle. Many lenders accept down payments as low as 10–20% of the purchase price, though some may accept less. During pre-approval, you'll see the minimum down payment required by each lender based on your situation.

Most pre-approvals are completed within minutes to a few hours. In some cases, additional information may be requested, which can extend the process to 24 hours. Once pre-approved, you'll have a clear picture of what you can afford and can start shopping with confidence.

Yes. After you're pre-approved, you can shop for any powersport vehicle that fits within your pre-approval amount. There are no restrictions on which dealers or private sellers you can buy from. You have complete freedom to find the perfect vehicle for your needs and budget.

Loan terms typically range from 24 to 84 months (2 to 7 years), depending on the lender and the vehicle. Longer terms mean lower monthly payments but higher total interest paid. Shorter terms mean higher monthly payments but lower total interest. You'll compare different term options during the pre-approval process.