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Canada's Top Snowmobile Loan Options

We proudly finance Skidoo, Polaris, Arctic Cat, and beyond! Our loan process makes buying your next sled simple.

The best snowmobile loan interest rates in Canada with $0 down on most approvals.

Simple fee structure. We make it easy to know exactly what you're paying for.

Bad credit snowmobile financing options with lenders who report to credit to help rebuild. 

Choose any new or used snowmobile and haggle like a cash buyer. The ultimate flexibility.

Don't get left out in the cold. Lock in your sled loan & shop anywhere.

Apply Online & Lock In Your Loan Approval

Receive your sled financing approval back within one business day. This will outline your approved interest rate, any caps, and give you an idea of what your payments will be.

Shop Anywhere for the Perfect Snowmobile

Buy from your local marketplace or snowmobile dealer and find the perfect fit for your budget. We charge 10% markup and a $499 doc fee to facilitate the financing. Simple & up-front.

We Pay For It.
You Own It.

We'll send you all of your documents remotely and set up to purchase directly from  the seller. Once they receive payment, you're free to pickup your new sled. Congrats!

The Rocky Mountains in Alberta Canada, snow covered peaks and a crystal green lake

Frequently Asked Questions

What credit score do you need to finance a snowmobile? There is no minimum credit requirement to obtain a snowmobile loan. A bad credit score alone usually does not prevent you from getting financed for a sled. In addition to your credit score, your payment history, employment status, and debt service ratio are all in consideration when applying for a snowmobile loan.

What interest rates are available when financing a used snowmobile? You can get a snowmobile loanwith an interest rate as low as 9.9% if you have pristine credit history. Those with fair credit history typically pay between 11.9% and 17.9%, and those with bad credit history who are looking to rebuild with rates starting at 19.9%.

What term lengths are offered for snowmobile financing? The typical sled loan is set between 5 and 7 years, but lenders may offer loans lasting between 2 years and 10 years, depending on the age of the snowmobile, affordability and approval.

How hard is it to get approved for a bad credit snowmobile loan? Typically, it is not that difficult to get an approval for bad credit snowmobile financing. Even with poor credit history, repos, bankruptcy, or no credit at all - there are still great options out there that may be willing to offer snowmobile financing.

Could getting a snowmobile loan help my credit? An on-time payment toward a snowmobile loan can help build credit in a manner similar to most automobile loans. Installment payments are a great way to establish positive credit and most Canadian recreational lenders report to credit bureaus.

Do you offer guaranteed snowmobile financing? There is no true guaranteed snowmobile financing program available in Canada. Any dealer offering guaranteed snowmobile loans is doing so with strict conditions and implications that can be dangerous to accept. Visit the blog post link below for more info.

A snowmobile rider on a skidoo sled cuts a corner in the mountains

Canada's Top Snowmobile Financing

Financing Available for All Leading Snowmobile Brands. Our financing network offers loans to purchase any new and used snowmobile from the top manufacturers in Canada. We cater to a variety of leading brands to ensure you have the best options for powering through the snow. This includes, but is not limited to, Arctic Cat, BRP, Lynx, Polaris, Ski-doo, and Yamaha. Whether you're upgrading to the latest model or purchasing your first snowmobile, our network is here to help you secure the financing you need for your winter adventures.

Full Transparency, Simple Process, Zero Surprise Fees. Unlike other agencies offering similar services, our fees are consistent regardless of credit and entirely transparent, allowing our customers to accurately calculate their expenses. Our tools enable you to calculate your monthly payments at different purchase prices, empowering you to set your budget while fully understanding all costs involved in the deal.

Current Snowmobile Interest Rates. Rates vary based on credit score as well as prepayment history. With excellent credit, you can qualify for the top lender rates starting at 9.9%. With good credit, you'll be looking at around 12.9% to 14.9% for your snowmobile loan. If you're facing a bad credit situation, you'll be starting in around the 19.9% mark to lock in your snowmobile financing. Regardless of credit, there is a solution available to get you shopping snowmobiles for your next adventure.

Private Sale KIJIJI & Marketplace Snowmobile Loans. With loan approvals through us, you'll be able to shop for your next new or used snowmobile as a cash buyer. Our process is simple, providing funding for any sled you find whether it be from a private seller or a participating dealership selling the perfect fit. Save money and leverage your negotiation skills to get the best price that fits the budget that you set. Protect your investment with access to 3rd party protection plans.

Flexible Terms & Zero Down Payment Options. Depending on the lender and approval parameters, you'll be able to budget your financing to best fit your needs. The vast majority of our finance approvals are with zero down payment required. Our lenders help work with the budgets that you set to ensure the cost of your new or used snowmobile doesn't cause future stress. Funds arrive quick, allowing you to buy the perfect sled without a long wait.

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