Private Sales
How It Works
What is private sales financing?
Private sales financing is a loan that allows you to buy a vehicle from a private seller, not just a licensed dealership. This includes purchases made through online platforms like Kijiji, Craigslist, or Facebook Marketplace, or even from a friend or neighbor.
How does the financing process work?
Our process is fast and simple:
1. Apply Online: Complete our quick, 1-minute application.
2. Get Approved: We review your details and aim for approval as fast as possible, often the same day.
3. Get Funded: Once approved and the agreement is signed, funds are sent to you or the seller as soon as the same day, so you can finalize your purchase.
When will I know if I am approved?
We work to provide you with an approval decision often as soon as the same day you apply.
Can I finance a private sale?
Absolutely. We finance both private sales and dealership purchases.
How fast can I get the funds?
Funding as soon as the same day is available once you are approved and the final agreement is completed.
What kind of vehicles do you finance?
We finance a wide variety of both road and recreational vehicles, including:
Auto: Cars, trucks, sedans, SUVs, coupes, convertibles, hatchbacks, and vans.
Powersports: ATVs, side-by-sides, motorcycles, boats, fifth-wheels, folding campers, garden tractors, heavy equipment, motor homes, jet skis, RV’s, sail boats, snowmobiles, trailers, travel trailers, truck campers, ebikes and more.
We can finance most makes and models, from any seller, private or dealership.
Requirements and elegibility
What do I need to qualify?
To qualify for financing, you need to be a Canadian permanent resident or citizen and have:
- An active bank account with a financial institution
- A valid government-issued Canadian ID
- A verifiable source of income
- The Vehicle Identification Number (VIN) for the vehicle you intend to purchase.
Note: If applying for auto financing, you must also have a valid driver’s license (a learner’s permit is not accepted).
Do you work with bad credit?
Yes, we welcome all credit scores to apply. We review all applications, including those with previous consumer proposals or bankruptcies.
Which regions of Canada do you finance?
Auto: We provide financing across all Canadian provinces, including Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, Prince Edward Island, and Quebec. (Note: Our auto financing is currently not available in Saskatchewan due to provincial regulations.)
Powersports: We provide financing across all Canadian provinces, including Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, Prince Edward Island, Saskatchewan and Quebec.
Powersports financing
What is powersports financing?
Powersports financing is a type of loan specifically designed to help you purchase a powersports vehicle, such as a motorcycle, boat, snowmobile, RV, ATV, and personal watercraft (jet ski) or any other recreational vehicle with a 17 digit vehicle identification number (VIN). We provide the necessary funds directly to you to complete the purchase, and you repay the loan over a set term with regular installment payments.
What kind of powersports vehicles can I finance?
You can finance almost any powersports vehicle through a private sale, including ATV, side by sides, motorcycles, boats, fifth wheels, folding campers, garden tractors, heavy equipment, motor homes, jet skis, RV’s, sail boats, snowmobiles, trailers, travel trailers, truck campers, ebikes and more, provided the vehicle has a 17 digit vehicle identification number (VIN).
Do you finance purchases from both dealerships and private sellers?
Yes, absolutely. Our financing is flexible and can be used for purchases made from dealerships as well as private sellers. You have the freedom to shop anywhere for your powersports vehicle.
How much can I finance?
Approval amounts range from $3,500 to $75,000.
What are your interest rates?
Our rates start at 8.99% and go up to 29.9%, with APRs from 8.99% to 34.95%, and terms from 12 to 180 months
Auto financing
What is auto financing?
Auto financing is essentially a loan used to purchase a road vehicle (like a car, or truck) from almost any seller—private or dealership. This includes purchases made through online platforms like Kijiji, Craigslist, or Facebook Marketplace, or even from a friend or neighbour.
What kind of vehicles can I finance?
Our Auto Financing is designed to cover virtually any vehicle you need. This includes:
Cars, trucks, sedans, SUVs, coupes, vans, and more. We finance all makes and models, provided the vehicle’s mileage is under 250,000 km.
Do you finance dealership purchases and private sales?
Yes, absolutely. We finance vehicles from any seller. Our financing gives you the freedom to purchase from car dealerships as well as private sellers.
How does the financing process work?
Our process is fast, fully online, and simple:
- Apply Online: Complete our quick, 1-minute application.
- Get Approved: We review your details and aim for approval as fast as possible, often as soon as the same day.
- Get Funded: Once approved, funds are sent to you or the seller as soon as the same day
How much can I finance?
Approval amounts range from $7,000 to $75,000
What are your interest rates?
Our rates start at 11.90% and go up to 29.90%, with APRs from 12.90% to 35.00%, and terms from 36 to 84 months
Do you work with bad credit?
We provide financing for all makes. The most popular makes we provide loans for:
Ford
Toyota
Chevrolet
Honda
Hyundai
GMC
Nissan
Kia
Volkswagen
Mazda
Subaru
RAM
Tesla
Jeep
Mitsubishi
Audi
Mercedes-Benz
BMW
Porsche
Lexus
Buick
Cadillac
Dodge
Volvo
Acura
Chrysler
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