How it works for:

Flexible Financing for Any Purchase

Get Approved for What You Need, Personal or Business

Get approved in minutes with flexible financing options for personal and commercial purchases across Canada.

Browse thousands of listings or bring your own deal — we’ll help you finance it with confidence.

Fast Approvals • All Credit Types Considered • Serving Canada-Wide

Get Approved for Personal & Commercial Financing

From vehicles and recreational products to commercial equipment, Finance That makes it easy to apply and get approved with fast, flexible financing options.

Personal Financing

Auto Financing

Cars, trucks, and SUVs from dealers or private sellers.

Powersports & Recreational

ATVs, motorcycles, snowmobiles, and more, new or used.

Boats & Marine

Boats, pontoons, and marine equipment for work or leisure.

RV & Camper Financing

RVs, campers, and trailers with flexible financing options.

Commercial Financing

Trailer Financing

Utility and enclosed trailers for personal or business use.

Commercial Equipment

Construction equipment, skid steers, excavators, and more.

Fast, Simple Financing

Get Approved with Confidence

Whether you’re purchasing personally or for your business, Finance That makes it easy to apply and get approved with flexible financing options tailored to your needs.

*Rates vary based on credit profile, asset type, and lender approval.

By completing this form, you consent to Finance That contacting you via SMS and email with updates, offers, and financial information. You also authorize Finance That to conduct a soft credit check as part of the application process. This soft inquiry will not impact your credit score. Standard messaging and data rates may apply. You can unsubscribe at any time by replying STOP to SMS or clicking the unsubscribe link in our emails.

Browse 1000s of Listings

Find What You Need.
Get Approved. Move Forward.

Browse cars, trucks, ATVs, RVs, and commercial equipment, all available with fast, flexible financing through the Finance That Marketplace.

Compare, and apply for financing in minutes, directly from any listing. Whether you’re purchasing personally or for your business, we make it simple to get approved and move forward without the back-and-forth.

Why Choose
Finance That

Finance With Confidence — Every Step of the Way

Finance That connects you with a wide network of lenders, verified dealers, and trusted private sellers. Whether you’re purchasing personally or for your business, we make financing simple, secure, and transparent.

Protected Credit Checks

Your credit is never unnecessarily shopped around, we match you with the right lender without impacting your profile.

Verified Dealers & Sellers

Work with trusted dealers and vetted private sellers so you can move forward with confidence.

Full Asset Verification

We verify ownership, check for liens, and ensure the asset is not reported stolen before you move forward.

Know What You’re Buying

Access key asset details and history so you can make informed decisions before completing your purchase.

Flexible Financing Options

Get matched with financing solutions tailored to your credit, asset type, and needs, personal or commercial.

Buy Your Way

Purchase from our marketplace or bring your own deal, we’ll help finance it and ensure everything checks out.

Post & Sell Your Asset

List your asset and connect with qualified buyers actively looking for financing through our marketplace.

Financing Made Simple, Your Way

Apply in minutes and we’ll match you with the right lenders and sellers, or finance a deal you already have.

How it works

Fast, Flexible & Secure Financing

From application to funding, Finance That makes financing simple. Whether you choose from our marketplace or bring your own seller, we guide you every step of the way.

Apply in Minutes

Complete a quick online application with no obligation and no impact to your credit to get started.

Get Matched

We match you with the right lenders and connect you with verified dealers or private sellers — or work with a seller you already have.

Get Approved

Review your financing options and choose the solution that works best for your needs and budget.

Finalize & Pick Up

We finalize your loan, complete the paperwork, and you’re ready to pick up your asset and move forward.

Fast Approvals

Most applications are reviewed within 24–48 hours.

Guided Support

Our team supports you at every step of the process.

Secure Process

Your application is safe, private, and protected.

Flexible Financing for Every Purchase, Personal or Business

We work with a wide network of lenders across Canada to offer competitive rates and flexible terms tailored to your needs. Whether you’re financing personally or for your business, we match you with the right solution based on your profile, the asset, and your goals.

Rates Starting As Low As

6.99%*

*Rates vary based on credit profile, asset type, and lender approval.

Loan Terms Up to 120 Months

Flexible short and long-term options based on your purchase and needs.

Flexible Down Payment Options

Options available based on your profile, lender, and asset type.

Flexible Payment Schedules

Choose weekly, bi-weekly, or monthly payments that fit your budget.

No Prepayment Penalties

Pay off your loan early with most lenders without extra fees.

Financing Available Across Every Province and Territory in Canada

No matter where you live in Canada, we’re ready to help. From Vancouver to St. John’s, our team secures fast, flexible financing for clients coast to coast.

New to Canada or Building Your Credit?

We work with newcomers, permanent residents, and first-time borrowers, even with limited or no Canadian credit history.

FAQ

Common Financing Questions — Answered

We’ve helped thousands of Canadians finance their goals, here are the answers to the questions we hear most.

Can I get approved?

Yes. We work with a wide range of lenders to support all credit profiles — including prime, near-prime, and credit-building situations.

Yes. You can finance purchases from dealers or private sellers. We also verify the asset and seller to help ensure a safe transaction.

No. Your initial application does not impact your credit score.

Rates vary based on your credit profile, the asset, and lender terms. We work to match you with the most competitive option available.

We offer flexible financing options designed for self-employed individuals and non-traditional income situations.

This depends on your application, but typically includes identification, income verification, and asset details if applicable.

Down payment requirements vary based on your profile, the asset, and lender approval.

Down payment requirements vary based on your profile, the asset, and lender approval.

Yes. Your information is encrypted and securely processed.

Yes. You can bring your own deal and we’ll help finance it while verifying the asset and seller.

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