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Bad Credit ATV Loans in Canada




Whether you call it an ATV, Quad, or Side by side, all-terrain vehicles are what exploration dreams are made of in Canada. There is no better way to enjoy the great outdoors than hopping on a machine and heading out to your favorite trail. If you’re a person that is still dreaming and thinks that they can’t make this happen because of credit issues, think again!


Halo Powersports Financing has programs for people with mid-range credit scores and those with less-than-ideal credit. Although not our best rate loans, individuals eligible for our mid-range credit levels will still get a very competitive rate from us.


The reality is that the majority of people that come to Halo Powersports Financing are those with credit scores less than mid-range or more specifically, they are seeking a bad credit ATV loan. Bad credit is not a dirty word and we certainly don’t shy away from people that have this challenge. We not only get you the loan, but we also get you on a path to improve your creditworthiness for the long term. Regardless of your current credit score, you can use our loans to rebuild your credit while enjoying a new ride.


Halo Powersports Financing Program Highlights

  • Loans for up to eight years

  • No pre-payment penalty

  • Simple interest loans

  • Standard fixed rate loans available

  • Short-term fixed rates available

  • The ability to refinance at a lower interest rate if your credit improves

  • Direct to consumer financing for those buying from a third party like a private reseller

  • Financing for those buying from dealers or auctions

  • Financing available if you've gone through bankruptcy, foreclosure, tax liens or judgements

  • Loan amounts from $1,000 up to $40,000

How Do You Qualify for Our Bad Credit Loans?

  • Put a minimum of 10 percent down

  • Purchased vehicle cannot be more than 5 years old

  • Collateral must be in the NADA appraisal guide

  • Must be a Canadian resident

  • Collateral must be for recreational use only

Halo Powersports does not fund loans for work vehicles. But we will fund any powersports vehicle, whether it’s an ATV, Motorbike, Boat or Jetski.



What Credit Profile Do You Need to Qualify for Our Powersport Loans?

  • Minimum credit score of 550

  • Must be current on child support and alimony payments

  • Cannot be currently enrolled in consumer counseling

  • Bankruptcy must be discharged

  • Debt to income (DTI) ratio must be 50 percent or less

How to Apply for Halo Powersports Loans


Applying for one of our bad credit ATV loans and other powersport vehicle loans is easy. Simply click apply now and you'll be taken directly to our online application. Filling it out only takes a few minutes. It will be sent immediately to our underwriting department. Our representatives will contact you after processing the application. They may send you an email or call you to discuss your options.

Do You Have Any Questions?


If you have any questions about our loan program or the application process, contact the Halo Powersports Financing office at any time. We take pride in the fact that we approve loans other lenders reject. Our representatives will be more than happy to discuss your credit profile. They can even give you advice on how to improve your odds of being approved or qualify for a better interest rate. For example, you are more likely to be approved if you put more than 10 percent down on the ATV or snowmobile of your dreams.


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