Powersports vehicles like ATVs, snowmobiles, and motorcycles offer freedom, fun, and functionality — but the upfront cost can be a barrier. That’s where financing comes in. Whether you’re looking for a reliable ride for weekend adventures or a practical vehicle for work, financing allows you to break the cost into manageable payments. And in Alberta, there are flexible financing options available even if your credit isn’t perfect.
At AJ Powersportss, we help riders get on the trail faster with tailored financing solutions that fit all credit profiles. Here’s how to secure your Powersports financing — step by step.
What Is Powersports Financing?
Powersports financing is a type of loan that helps you buy off-road vehicles without paying the full amount upfront. It spreads the cost into monthly payments, typically over one to five years, depending on your credit and the vehicle.
Financing is available for:
- ATVs and quads
- Side-by-sides (UTVs)
- Motorcycles
- Snowmobiles
- Trailers and holiday campers
Instead of dipping into savings or delaying your purchase, you can apply for financing and drive off sooner. Many customers also use financing to build or rebuild their credit over time while still enjoying their vehicle.
Who Is Eligible for Powersports Financing in Alberta?
At AJ Powersports, almost everyone is eligible to apply. We believe access to recreational and utility vehicles shouldn’t be limited by credit history alone. Here’s what you need to know:
- Credit Types: We work with all types of credit, including bad credit, no credit, bankruptcy, or consumer proposals.
- Employment Status: Both full-time and part-time workers, self-employed individuals, and seasonal employees can qualify. Some lenders also accept disability and child tax as qualifying income sources.
- Age & Residency: You must be 18+ and a resident of Canada with a valid government-issued ID.
- No Minimum Credit Score: We evaluate the full picture, not just a number.
Our team is committed to finding a financing path that works for your situation.
Step-by-Step: How to Apply for Powersports Financing
Step 1 – Choose the Powersports Vehicle You Want
Before applying, browse our inventory and select the vehicle that suits your lifestyle and budget. Whether it’s a used quad for weekend rides, a side-by-side for jobsite work, or a snowmobile for Alberta winters — we’ve got a wide selection ready to go.
Step 2 – Complete the Online Application
Once you’ve found a vehicle, apply directly on our website. The application takes just a few minutes and asks for basic personal and employment information. What you’ll typically need:
- Government-issued ID (e.g. driver’s licence)
- Proof of income (e.g. pay stub or bank statement)
- Employer details
- Address and contact info
The application is secure, and there’s no obligation to proceed.
Step 3 – Review & Approval Process
After submitting your application, our finance specialists will contact you to review your options. We work with trusted lenders across Canada to find:
- Competitive interest rates
- Flexible payment terms
- Approvals within the same day in most cases
There are no hidden fees — we explain every cost upfront so you can make an informed decision.
Step 4 – Pick Up Your Ride and Hit the Trails
Once financing is approved, all that’s left is to finalize the paperwork and take delivery. Most customers are ready to ride within 24–48 hours of approval. We also offer guidance on setting up payments and protecting your investment with optional warranties or insurance plans.
Tips to Improve Your Financing Approval Chances
Even though we work with all credit types, a few proactive steps can improve your approval terms:
- Check your credit report for errors or outdated info.
- Prepare your income documents ahead of time.
- List stable employment and avoid recent job changes if possible.
- Offer a down payment to reduce the total loan amount and improve interest rates.
- Be honest about your financial situation – lenders appreciate transparency.
Why Choose AJ Powersports for Financing?
We’re more than a dealership — we’re financing experts with over 45 years of experience in helping Albertans own Powersports vehicles with confidence.
Here’s why customers choose us:
- We work with all credit types – even if you’ve been declined elsewhere.
- We partner with leading Canadian lenders to offer tailored solutions.
- We make it fast and simple – many approvals happen on the same day.
- We prioritize transparency – no surprise fees or hidden terms.
- We value relationships – your satisfaction is our top priority.
Ready to Apply? Get Pre-Approved Today
Don’t let financing stress hold you back from enjoying your next ride. Whether you’re hitting the trails or cruising the backroads, we’ll help make it possible — quickly and securely.
No obligation. Just the freedom to ride.
