Do you spend all summer waiting for snow so you can spend your weekends on the snowmobile trail?
Or maybe you wait all winter to spend your summer long weekends at the lake racing jet skis.
If you’re in the market to purchase a new (or new to you) powersport vehicle, we can help you.
- Tailor financing that meets your needs and fits your budget
- Quick approval (within 48 hours)
- Flexible payment plans
- Affordable rates
- All credit scores welcome
What Type Of Powersports Vehicle Are You Looking To Finance?
You can finance any type of powersport vehicle, including the following:
| RV | Learn More |
| ATV | Learn More |
| Boat | Learn More |
| Camper | Learn More |
| Motorcycle | Learn More |
| Dirt Bike | Learn More |
| Jet Ski | Learn More |
| Snowmobile | Learn More |
RV Financing
Enjoy the comfort of having your own bed, kitchen, living space, and even bathroom wherever you go. You can make this dream happen with your own RV, and we can help you find the right financing option to cover your purchase.
RV Brands You Can Finance
| Brand | Models | |
 | Airstream | Atlas, Rangeline, Interstate |
 | Coachmen | Beyond, Concord, Cross Trail, Encore, Entourage |
 | Keystone | Bullet, Coleman, Cougar, Hideout, Springdale, Sprout, Alpine& Avalanche, Arcadia |
 | Forest River | Aurora, Cherokee, Evo, Flagstaff, Berkshire, FR, Georgetown, Beyond, Nova, Forester Sunseeker |
 | Chinook | Summit, Maverick, Bayside |
 | Winnebago | Journey, Revel, Spirit, Porto, Vista , Sunstar, Adventurer , EKKO, Journey, Forza |
 | Roadtrek | Chase 50, Pivot series, Play SRT, Zion |
 | Leisure Travel Vans | Wonder, Unity |
 | Pleasure-Way | 2025 Plateau (XLTS, XLRB, FL, TS, TW)2025 Ascent TS2025 Ontour (2.2 AWD, 2.0 AWD) |
 | Escape Trailers | Escape (5.0, 17, 19, 21, 23) |
 | Prevost Motorhomes | H3-45, X3-45, Volvo 9700, Motorhome |
ATV Financing
Looking to spend another season hitting the ATV trails but need a new vehicle?
We can help you find the best financing based on your budget and overall financing situation.
ATV Brands You Can Finance
| Brand | Model | |
 | Honda | Rancher, Foreman, Rubicon, Sport, Recon |
 | Polaris | Phonex, Scrambler, Sportsman, Ranger, Outlaw, RZR, POLARIS XPEDITION, General |
 | Can-AM | Outlander, Renegade, DS, Maverick, Commander |
 | Yamaha | Raptor, Grizzly, Kodiak, YFZ450 |
 | Kawasaki | KFX, Mule Pro, Brute Force, Bayou, Teryx4, Prairie |
Boat Financing
There’s nothing better than spending the summer at the lake. Let us help you get behind the wheel of your dream boat with a financing plan that works for you.
Boat Brands You Can Finance
| Brand | Model | |
 | Boston Whaler | Conquest, Super Sport, Realm, Outrage, Super Sport, Montauk, Dauntless, Vantage, Outrage, Realm, Conquest |
 | Sea Ray | Sundancer, SLX, SDX, SPX |
 | Tracker | Targa, Pro Guide, Bass Tracker, Grizzly |
 | Bayliner | Element, DX, Bowrider, Pilothouse, D Series, M Series, E Series, Center Console Series, VR Series, VH Series |
 | Crownline | Finseeker, LPX, SS, Surf |
 | Chaparral | SSi, SSX, SSi Outboards, OSX, SURF |
 | Princecraft | Platinum, Sport, Xpedition, Hudson |
 | Beneteau | Swift Trawler, Antares, Oceanis, Flyer, Figaro |
| Yamaha | Wake Series, Centre Console, SX, AR |
 | Campion | Chase, Allante, Rage, Muskoka, Explorer |
 | Grady-White | Center Consoles, Coastal Explorers, Dual Consoles, Express Cabins, Walkaround Cabins |
 | Caymas | 341 cc, 401 cc, HB, 291 |
 | KingFisher | Offshore, Coastal, Arrow Warrior, Escape |
Camper Financing
Travel at your own pace and explore remote locations with your very own camper. We can help you finance your next purchase with financing that suits your situation and needs.
Camper Brands You Can Finance
| Brand | Model | |
 | Gulf Stream Coach | Kingsport, Innsbruck, Trailmaster, Envision |
 | Oliver Travel Trailers | Legacy Elite, Legacy Elite II |
 | Grand Design RV | Serenova, Transcend, Imagine, Reflection |
 | Jayco | Jay Feather, Jay Flight, Eagle |
Motorcycle Financing
Are you the adventurist type? Take to the open road with your motorcycle, enjoying the feeling of freedom as you explore new sites and cruise through scenic routes. We can help you secure the financing you need to help you get on the road sooner than later.
Motorcycle Brands You Can Finance
| Brand | Model | |
 | Harley-Davidson | Grand American Touring, Cruiser, Trike, Adventure Touring |
| Kawasaki | Z900, W230, Ninja, Versys |
| Honda | Gold Wing, Fury, CB300R, CBR600RR |
| Yamaha | Zuma, V Star, MT 10, Tracer |
 | Suzuki | GSX-8R, Boulevard, Katana, Hayabusa |
 | Indian Motorcycle | Scout, Chief, Chieftain, Springfield |
Dirt Bike Financing
Satisfy your lust for adventure and give yourself an adrenaline rush with an off-road voyage on your dirt bike. We can help arrange for financing a bike that suits your needs.
Dirt Bike Brands You Can Finance
| Honda | CRF50F, CRF110F, CRF150R, CRF450R |
| Yamaha | WR250F, YZ250F, YZ125, YZ65 |
| Kawasaki | KX65, KX85, KX250, KX450 |
| Suzuki | RM-Z450, RM-Z250, DR-Z125L, DR-Z50 |
 | Husqvarna | TC, FC |
 | Triumph | TF |
Jet Ski Financing
Own a house near a lake? Been thinking about purchasing a jet ski or two to add to your summer fun? Let us help you secure the financing you need.
Jet Ski Brands You Can Finance
| Brand | Model | |
 | Sea Doo | Fish Pro Scout, RXP-X-325, Spark 60-HP |
| Kawasaki | SX-R 160, Ultra 310LX, STX 160X |
| Yamaha | FX Cruiser HO WaveRunner, GP1800r SVHO WaveRunner, Superjet WaveRunner |
 | Krash | Reaper, PRED-RR, Footrocket |
Snowmobile Financing
Looking forward to cold, crisp days and a fresh layer of powdery snow? In the market to upgrade your snowmobile this year? We can help.
Snowmobile Brands You Can Finance
| Brand | Model | |
 | Ski-Doo | Summit, Freeride, Renegade, Grand Touring |
| Polaris | PRO RMK, RMK Khaos, Switchback, Indy |
 | Arctic Cat | M 400 Alpha One, ZR 400, Norseman 400, Rio 400 Touring |
| Yamaha | Sidewinder, SRViper, SVenom |
Golf Cart Financing
Hitting the golf course every weekend and looking for the right golf cart to get you from hole one to hole 18? Or maybe you live in a town where a golf cart is your main vehicle? We can help you finance a golf cart that meets your needs.
Golf Cart Brands You Can Finance
| Brand | Model | |
 | Cushman | Hauler, Refresher, Shuttle, Spraytek |
 | Atlas | 2 Passenger, 4 Passenger, 6 Passenger |
 | Club Car | Onward 2 Passenger, Onward 4 Passenger, Onward 6 Passenger, Onward HP LI-ION |
How To Finance A Powersport Vehicle
Powersports financing works much like a regular car loan. Your lender will provide you with a lump sum of money to cover the purchase price of the vehicle. Then, you repay what you borrowed, plus interest, over a set term via regular installments.
The loan is collateralized by the vehicle, which reduces the lender’s risk. Once you fully repay your powersports loan, the lender’s lien is removed from the vehicle’s title, and you’ll own the vehicle free and clear.
| Can You Finance A Used Powersports Vehicle? Yes, you can finance a used powersports vehicle through a bank, online lender, or the dealership. There may be restrictions on these loans to be aware of, such as minimum age requirements, and vehicle age and condition. |
Requirements For Powersport Financing
The criteria for powersports financing varies by lender, but generally speaking, lenders will look at the following:
- Credit Score. A good credit score can help you secure a lower interest rate and better loan terms. That said, you may still qualify if you have bad credit, though you may need to apply with an online lender to increase your chances of approval.
- Income/Employment Stability. Lenders will want to make sure you have a steady job and earn a sufficient and reliable income.
- Residence. You must be a Canadian citizen or permanent resident to apply for a powersports loan.
- Age. Most lenders require borrowers to be at least the age of majority.
- Vehicle Information. Your lender may want the details about the powersports vehicle you’re financing, including the make, model, and year. If the vehicle is used, there may be additional criteria to meet. For instance, lenders typically have age restrictions on the vehicle before extending a loan to finance a purchase.
Where Can You Find Powersport Financing?
You can apply for a powersports loan from a variety of financial sources:
Banks And Credit Unions
If you have good credit and a strong income, you may consider applying for powersports financing from your bank or credit union. They tend to often offer competitive interest rates, particularly if you have a good credit score. Banks may also provide more personalized customer service, and offer a wider range of loan options to suit your needs.
However, if your credit score needs improvement, you may have a difficult time securing financing from a bank. In this case, you may need to consider other options.
Online Lenders
Online private lenders may offer more flexible eligibility criteria, making it easier for those with bad credit to qualify. Applying online is convenient, quick, and accessible 24/7. However, keep in mind that applying for powersports financing from an online private lender with bad credit will typically mean you’ll pay higher interest rates compared to what banks offer.
Several online lenders are available to help you finance your next power sports vehicle, including National Powersports Financing and Canada Powersports Financing, among others.
In-House Dealership Financing
You may be able to apply for in-house dealership financing if offered, which can be a convenient option. This way, you can take care of both the purchase and financing of your powersport vehicle in one location, saving you time and effort. Plus, dealerships may offer promotional financing rates for a certain period, which can make your loan more affordable.
Dealerships may also offer special incentives or discounts if you finance through them. Some may even be more flexible with credit requirements, making it easier for those with bad credit to qualify.
Powersports Manufacturer
Many powersports vehicle manufacturers don’t offer direct financing, however some do. Manufacturers that offer direct financing include the following:
- Harley-Davidson
- Yamaha
- Honda
- Kawasaki
- Suzuki
Many manufacturers that offer direct financing often have deals and discounts that regular lenders and banks don’t offer.
Can You Finance A Powersport Vehicle In A Private Sale?
Yes, you can finance a powersport vehicle in a private sale. There are several financing options available specifically for private sales. Some lenders, such as Revival Powersports and Canada Powersports Financing, offer loans that allow you to purchase powersport vehicles from private sellers.
These options basically help you shop for a powersport vehicle like a cash buyer. Then, you can secure a loan to cover the purchase. This can be especially useful in the following situations:
- You don’t have the full amount upfront
- You prefer to have a loan that allows you to spread the cost over time
- You can’t secure powersports financing through the dealer or your bank
Get Powersports Financing From All Major Brands
You can get financing to cover the purchase of any powersport vehicle brand, including the following:
| RV/Camper | ATV | Boat | Camper | Motorcycle/Dirt Bike | Jet Ski |
| Airstream Coachmen Keystone Forest River Chinook Winnebago Roadtrek Leisure Travel Vans Pleasure-Way Escape Trailers Prevost Motorhomes Gulf Stream Coach Oliver Travel Trailers Grand Design RV Jayco | Honda Polaris Can-AM Yamaha Kawasaki | Boston Whaler Sea Ray Tracker Bayliner Crownline Chaparral Princecraft Beneteau Yamaha Campion Grady-White Caymas KingFisher | Gulf Stream Coach KZ-RV Oliver Travel Trailers Grand Design RV Jayco | Harley-Davidson Kawasaki Honda Yamaha Suzuki Indian Motorcycle Husqvarna Triumph | Sea Doo Kawasaki Yamaha Krash |
Do Powersports Dealerships Accept Borrowers With Consumer Proposals?
Lenders may hesitate to approve powersports financing for those who have recently completed a consumer proposal. That said, there are some powersports dealerships in Canada that accept borrowers with consumer proposals, including Ride Motor Company and Canada Powersports Financing.
Research dealerships in your area to see where you can obtain powersport financing options for consumers who have completed a consumer proposal. Then, compare offers from different lenders and dealers to see where you can get financing that suits your needs. You may be able to increase your chances of loan approval by offering a larger down payment and paying down your debt.
Learn more: Can You Get A Car Loan After A Consumer Proposal?
Can You Get A Powersports Loan With Bad Credit?
Yes, you can get powersports financing even if you have bad credit. White traditional lenders like banks may be hesitant to work with bad credit borrowers, there are several lenders that offer financing options despite borrowers’ issues with credit.
Canada Powersports Financing and National Powersports Financing are just a couple of options available to you if you’re looking to apply for a powersports loan with bad credit. It’s always a good idea to check with each lender or financing company to understand their specific criteria and terms.
Can You Get Financing For A Used Powersports Vehicle?
Yes, you can finance a used powersports vehicle from various lenders and dealerships. Even some big banks, like TD Bank, offer financing for used powersports vehicles.
Keep in mind that financing a used vehicle may have slight differences than financing a new vehicle, such as the following:
- Higher Interest Rates: Lenders tend to offer higher interest rates on used vehicles because their value depreciates faster, which increases the lender’s risk.
- Shorter Loan Terms: You may be offered shorter loan terms for used powersports vehicles, which can mean higher monthly payments.
- Larger Down Payments: The down payment percentage may be higher for used vehicles to offset the risk of depreciation (though the actual amount of the down payment may be lower than a new powersport vehicle due to the difference in price).
Can You Use A Home Equity Loan To Finance A Powersport Vehicle?
Yes, you can use a home equity loan to finance a powersport vehicle. This type of financing allows you to borrow against the equity in your home, often at a lower interest rate compared to other loan types. You can then use the funds for various purposes, including buying a powersport vehicle.
This might be a great option if the powersports vehicle you’re buying is very expensive, as home equity loans often allow homeowners to access large sums of money from their equity at a low rate. You’ll be provided with a lump sum of money, then repay it in installments like a regular loan.
Keep in mind that since your home is used as collateral, there’s a risk of having your home repossessed by the lender if you default on the loan.
Powersports Insurance And Licensing
Insurance and licensing requirements depend on your location and the type of powersports vehicle in question.
| Insurance Requirements | License Requirements | |
| RV | Required | -Only a driver’s license is required -A special license is only required if the vehicle is over a certain weight & has air brakes) |
| ATV | -Typically required when used on public roads & trails (though driving on public roads is prohibited in many locations across Canada) – Not required on private land (Quebec requires third-party liability insurance on both private & public land) | -Private property: Licensing is not required -Public property: A regular driver’s license is required, though many locations across Canada prohibit the operation of an ATV on public roads |
| Boat | Not required | Pleasure Craft Operator Card (PCOC) is required |
| Camper | -Motorized campers: Insurance is required-Towable campers: Insurance is not required | -Only a driver’s license is required (for motorized campers)-A special license is only required if the vehicle is over a certain weight & has air brakes) |
| Motorcycle | Required | Specialized license is required, separate from a regular driver’s license |
| Dirt Bike | Generally required when driven on public roads | -Private property: Generally not required, though regulations may vary by province or territory -Public property: Driver’s license required |
| Jet Ski | Not required | PCOC is required |
| Snowmobile | Required | Licensing is generally required, depending on the province or territory |
