FREQUENT QUESTIONS
I have been declined by a dealership, can I still get approved?
Yes, the truth is if the finance has to do some hard work, they will just decline it. As they prefer good credit to make it easier. We work for your approval and do much more than any dealership to win your business. This is what makes us different. Go ahead and fill out the application to see what we can do for you.
I am currently in proposal or bankruptcy. Can you still help me?
Yes, we have special programs in place to help EVERY situation to help build credit. We have the use of many tools to get you the financing you want and we do this WITHOUT any judgment. In fact, our team loves to help improve credit situations for people who need assistance
I found a quad I like that my friend is selling, can I finance it?
Yes, we finance all private sales, even off of Facebook, Kijiji, friends & family.
Do you offer financing options for self-employed people?
Absolutely. We work with you to get the required proof of income lenders require and get you into your vehicle fast.
How long does it take to get my Powersports financing approved?
In many cases, we can get it done in as little as 30 minutes. However, for more complex it may take a couple of days. Whether it's financing for an ATV, Side by Side, Snowmobile, boat, dirt bike, or other toys, our goal is to have you enjoying it fast!
Can I finance a used Side by Side, Snowmobile, or Boat?
Yes, once we have secured your approval, you are welcome to use that approval to buy from a dealer or privately. Your Choice.
Why should you consider financing an ATV, motorcycle, or UTV?
The most obvious answer to that is that you don't have to come up with the cash upfront. In fact, you can be riding without a single payment for 60 days. And of course, we can get you an affordable low monthly payment. The more likely question is why wouldn't you consider financing your recreational vehicles.
Are there administration fees when financing a UTV, snowmobile, or other powersports vehicles?
Some lenders will have fees, and they will vary by lender. We ensure that when we present options, we will go over lender fee's as part of our complete disclosure, so there are no hidden surprises.
What documentation do you need to provide with the applications?
The completed application is really the main item required. However, if you can email a paystub or pay statement of some kind, that will speed up the process if income verification is required.
What is the minimum age that I need to be to apply for an ATV, snowmobile, or boat loan?
In most provinces, it is 19 years of age.
Can I pay off my loan at any time?
All of our loans are open-ended. This means that you can pay off some or all of the principal at any time without any additional cost or penalties. If you are using the loan to build your credit, we do recommend that you stay in that loan for at least one year.
I have had past credit issues, so how can you help me improve my situation?
We only deal with lenders that report to the credit bureau. Each payment you make is reported and helps build credit, subsequently improving your credit score over time.
How can I find out more about my credit score situation?
There are two major credit reporting agencies. Either of these agencies can provide you with a copy of your credit report. You can either contact them through their websites or you can call them toll-free. The details are:
Equifax
1-800-465-7166
Transunion
1-800-663-9980
Is my personal information safe?
Your information is maintained in a highly secure file and after a set amount of time it is disposed of in accordance with Canadian regulations.
