FAQ
We know financing often comes with a lot of questions, so we've compiled a list of the things we get asked most often. Still not sure? Our team can help, so contact us today.
01/
How do I submit a credit application?
The first step to approval is to fill out our credit application form. After we review it, we'll get back to you with a credit plan that best suits your needs and situation.
02/
What if I have a bad credit score?
We specialize in finding finance options for those with credit scores that aren't the best. Our size and experience often allow us to access finance options that may not be available otherwise. Fill out our secure credit application to get started.
03/
What documents should I bring with me?
All buyers should bring a valid government drivers license, a current paystub, and a void cheque. Because different finance organizations may require additional documentation, we suggest you contact us for a complete list of what you will need prior to completing your paperwork.
What if I just want to see if I can get pre-approved?
08/
If you’re looking for pre-approval, fill out the same application form and indicate your preference for a pre-approval only in the initials line. We will use this information to design a budget plan for you.
What is conventional financing? Or easy financing?
09/
With the regular programs you can tailor your purchase to reflect your individual needs. Your equal monthly payments are determined using competitive rates and
24-180 month terms (some restrictions). Together we can work out a financing arrangement that best suits your budget and your needs. We do all the work for you!
Is a down payment required?
10/
For most of our clients, a down payment is not required.
What are acceptable forms of identification?
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Driver's license, passport, Canadian citizenship card, permanent resident card, provincial photo ID, or a Certificate of Indian Status are all acceptable forms of government issued photo ID.
04/
How long does it take to get approved?
Once all required documents are received, they are sent to the lender. Some have longer processing time than others, but from start to finish the process can take a few hours up to a few days.
05/
Are these loans open or closed?
Most of the loans we offer are open and you may pay out the finance contract at any time without prepayment penalties.
06/
Can I trade in my current powersports machine or boat?
Yes! In fact, we often take in trades that are not paid off yet. We deal directly with your financial institution in order to close your old loan.
07/
Can I add extended warranty to my loan?
Yes, we offer many different extended warranty options and can add these to your finance package.
12/
What about interest rates?
Yes, people that are self-employed and have good credit are often approved for financing.
13/
What about interest rates?
Yes. Most loans have a bi-weekly payment option.
14/
What about interest rates?
Yes. One of the advantages to using our services is we are often able to add ATV, side-by-side, snowmobile, watercraft, and boat parts, accessories or clothing into your finance package.
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What about interest rates?
We offer competitive rates from a variety of banks and finance organizations to fit nearly every budget and credit portfolio. Rates are based on your credit profile, product and structure of the loan.