What we finance
- Utility ATVs for hauling, plowing and chores
- Sport ATVs built for the trails
- Two-up and youth models
- New or used, from a dealer or a private seller
How ATV financing works with us
- Apply online in minutes. Tell us what you're after and a bit about your work and income.
- We do the legwork. We take your application to our lending partners, and our network of 57+ partner dealers and wholesalers means you're not stuck with whatever's on the local lot.
- Get your quad. Pick the deal that works for you, sign, and we ship it to your door anywhere in Canada.
Credit that doesn't fit the box
Seasonal work, self-employment, overtime, a rough patch a few years back. We look at your whole situation, not just a score. All credit situations are considered.
Things to budget for
Beyond the monthly payment, plan for:
- Insurance. Most provinces require it any time you ride off your own property, including on public land or when crossing a road.
- Registration and plates, where your province requires them.
- A helmet and gear.
- Accessories like a winch, plow or storage box. If you're buying them at the same time, ask us whether they can be included.
Frequently asked questions
Can I finance a used ATV from a private seller?
In many cases, yes. Let us know when you apply. You'll usually need a bill of sale and proof that the ATV has no money owing on it.
Do I need a down payment?
Not always. Some buyers qualify with $0 down. A down payment or a trade-in can lower your payment and improve your chances of approval.
How long can I finance an ATV for?
It depends on the lender, the ATV's age and price, and your credit. Use our payment calculator to compare monthly payments over different terms.