Finance That connects Canadian riders with the powersports loan that fits their budget and credit profile since 2019. Our multi-lender network spans every province, approves all credit types, and covers everything from brand-new dealer units to private sale finds on Kijiji or Facebook Marketplace. Rates start at 7.99% and loan amounts reach $75,000 — so you can stop browsing and start riding.
Helping Canadians Get Approved Backed by Canada’s Most Trusted Lenders
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.
Getting approved for a powersports loan shouldn’t take longer than a tank of gas. Here’s exactly how our three-step process works:
Complete our secure, encrypted application form with your personal information, employment details, and the vehicle you want to finance. There's no lengthy paperwork and no branch visit required. You can apply from your phone while you're standing in the dealership parking lot.
Finance That submits your application simultaneously to our network of banks, credit unions, and specialty lenders across Canada. Within hours you receive real loan offers with actual rates, not ballpark estimates. Our specialists review each offer and recommend the one that saves you the most money based on your credit profile and repayment timeline.
Accept your offer, sign your documents electronically, and we coordinate funding directly with your dealer or private seller. For dealer purchases, funds typically land within 24–48 hours. For private sales, we walk you through the added steps to protect you and release funds securely. Then it's time to ride.
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.
Rates depend on your credit score, loan amount, vehicle age, and lender. Here’s a realistic breakdown of what Canadian borrowers see today:
| Credit Tier | Estimated Rate Range | Typical Term |
|---|---|---|
| Excellent (720+) | 7.99% – 10.99% | 24–84 months |
| Good (660–719) | 11.00% – 15.99% | 24–84 months |
| Fair (600–659) | 16.00% – 21.99% | 24–72 months |
| Poor (Below 600) | 22.00% – 29.99% | 12–60 months |
| No Credit History | 19.99% – 27.99% | 12–60 months |
Seasonal rate tip: Manufacturer-partnered lenders (like Can-Am’s BRP Finance or Yamaha Financial Services) occasionally run promotional rates during spring and fall buying seasons. Finance That checks both third-party lenders and manufacturer programs to ensure you get the best available offer.
A $15,000 powersports loan at 10.99% over 60 months carries a monthly payment of approximately $326. At 19.99% over the same term, that payment rises to $397.
Finance That covers the full spectrum of powersports — new and used, dealer and private sale, recreational and utility.
From a Kawasaki Ninja 400 to a Harley-Davidson Road Glide, we finance motorcycles of all styles and displacements. Financing starts at $5,000 and scales to match premium units from BMW, Ducati, and Indian.
Whether it's a Yamaha Grizzly for hunting season or a Polaris Sportsman for farm work, ATV financing covers recreational and utility units. Used ATVs with clear titles financed through private sale are accepted.
Side-by-sides are among the most-financed powersports vehicles in Canada right now. These utility vehicles often carry price tags from $15,000 to $45,000. We finance both recreational sport models and heavy-duty work UTVs.
Canada's winter riding culture is world-class, and we finance the sleds that make it happen. Snowmobile loans work on seasonal timing too: applying in late summer or fall often means better dealer incentives and fresher inventory selection.
Seadoo, Yamaha WaveRunner, and Kawasaki Jet Ski models are all eligible. PWC loans typically range from $8,000 to $25,000 and pair well with trailer financing in a single bundled loan. Apply in spring before peak season inventory tightens.
Off-road bikes from KTM, Honda, Husqvarna, and Yamaha qualify for financing starting at $5,000. Competitive riders appreciate our flexible terms that let them upgrade every few seasons without crushing their cash flow.
A credit score below 600 doesn’t mean your riding season is cancelled. Finance That works with lenders who specialize in bad credit powersports loans across Canada. These aren’t predatory lenders, they’re institutions that evaluate your full financial picture.
Most lenders in our network require a gross monthly income of at least $1,800–$2,000, three months at your current address, and a Canadian bank account in your name. A down payment of 10–20% strengthens your application considerably and can unlock meaningfully lower rates.
The credit-rebuilding angle: A powersports loan paid on time reports to Equifax and TransUnion monthly. Borrowers who make consistent payments for 12–24 months frequently see credit score improvements of 40–80 points. Finance That’s specialists can walk you through a refinancing strategy at the time of your original approval so you have a clear roadmap.
There’s no shortage of financing options in Canada. With Finance That, a single application reaches over 30 Canadian lenders simultaneously. Banks, credit unions, and specialty recreational vehicle lenders all compete for your file. You see the best offer, not just the first one.
Also You get a Dedicated Financing Specialist who handles your file from application to funding. They answer questions, negotiate lender conditions, and coordinate document collection.
Finding a used Can-Am Spyder on Kijiji for $9,500 when the same model retails at $13,000 new? That’s a real scenario that Finance That handles regularly. Private sale powersports financing lets you buy from any individual seller in Canada — not just dealerships.
Identify the unit on Kijiji, Facebook Marketplace, or another private platform. Note the year, make, model, VIN, asking price, and seller's contact information.
Submit your application with the vehicle details. Our team confirms the vehicle's market value against current Canadian listings and NADA/Black Book guides.
We run a CARFAX Canada report and a PPSA lien search on the VIN. This confirms the seller actually owns the vehicle free and clear.
Once approved, we prepare the required bill of sale documentation that protects both buyer and seller. The seller signs, you sign.
We transfer funds directly to the seller. You register the vehicle in your name at your provincial motor vehicle registry, and you're done.
Private sale financing through Finance That typically adds 2–4 business days to the process compared to dealer purchases — a small wait for potentially thousands of dollars in savings.
Finance That operates across all ten provinces. While the financing process is consistent, provincial rules around registration, licensing, and insurance vary.
Highest volume of powersports loans in our network.
Strong demand for adventure bikes and ATVs given the terrain.
Strong UTV and ATV market driven by agricultural and recreational use.
Powersports financing is fully available in Quebec.
Strong snowmobile and ATV financing demand.
Competitive lender participation.
Seasonal demand peaks
Seasonal demand peaks
Seasonal demand peaks
Seasonal demand peaks
There’s no universal minimum across our lender network. Borrowers with scores above 660 access the most competitive rates (7.99%–15.99%). Scores between 520–659 typically qualify with higher rates and sometimes a down payment requirement.
Yes. Most lenders in our network finance used powersports vehicles from 2010 forward, provided the unit has a clear title, reasonable mileage, and a confirmed market value.
Terms range from 12 to 120 months depending on the lender, loan amount, and vehicle type. Shorter terms (24–48 months) reduce total interest paid. Longer terms (72–84 months) lower your monthly payment but increase total borrowing cost. Our specialists model both scenarios before you decide so you can see the real tradeoff in dollars.
Absolutely. Finance That specializes in private sale financing for Kijiji, Facebook Marketplace, and peer-to-peer transactions. We run a PPSA lien search and CARFAX Canada check to protect you, then release funds directly to the seller once all conditions are met.
You don’t need an active policy to apply, but lenders require proof of insurance commitment before releasing funds. An insurance quote from a licensed Canadian insurer is typically sufficient at the funding stage. We recommend getting a quote simultaneously with your loan application to avoid delays.
Yes. Finance That services all ten Canadian provinces including Quebec. French-language documentation is available, and our lenders are familiar with Quebec’s specific regulatory environment, including SAAQ registration requirements and FCMQ trail association rules for snowmobiles.
Many lenders allow soft add-ons including helmets, riding gear, extended warranties, and GPS units to be bundled into your loan — typically up to 10–20% of the vehicle’s value. Trailer financing can often be included in the same loan when purchasing a PWC or ATV. Ask your Finance That specialist about bundling options at the time of application.
No. Lenders finance based on your financial profile, not your licence class. However, you’ll need a valid motorcycle licence before you can legally operate the bike on public roads, and most provinces require it before issuing registration. We recommend completing your M1 or provincial equivalent before taking delivery.
For snowmobiles, applying August through October gives you access to fresh model-year inventory, dealer trade-in specials, and occasionally manufacturer promotional financing. For jet skis and PWC, apply September through November for end-of-season clearance pricing, or February through April to secure your unit before peak-season inventory tightens.
Finance That’s pre-qualification uses a soft credit pull, which has no impact on your score. A hard inquiry only occurs when a lender issues a formal approval decision. Multiple hard inquiries for the same loan type within a 14–45 day window are typically treated as a single inquiry by Canadian credit bureaus — so rate shopping doesn’t penalize you the way many borrowers fear.
Yes. Finance That works with specialty lenders who approve discharged bankruptcies — in some cases as little as 12 months post-discharge. Active consumer proposals are also considered, though lender options narrow and down payment requirements typically increase.
This depends on the lender tier. Prime banks typically cap used units at 10–12 years old at end of term. Finance companies extend to 12–15 years. Specialty lenders assess units up to approximately 20 years old based on appraised collateral value rather than age alone.
For new, high-value units, GAP coverage deserves serious consideration. Powersports vehicles depreciate sharply in the first two years. If your unit is written off or stolen early in your loan term, standard insurance pays out market value, which may be thousands of dollars less than your outstanding loan balance. GAP covers that difference. For older used units with lower loan values, the math is less compelling. Your Finance That specialist can help you assess whether the premium is justified for your specific unit and loan amount.
Thousands of Canadian riders have financed their motorcycles, ATVs, snowmobiles, and jet skis through Finance That. Whether your credit is excellent or you’ve faced financial challenges, our multi-lender network finds real solutions — not polite rejections.
