Will I Qualify If My Credit Is Poor?
We work with all credit scores. While higher scores get better rates, we have programs for every situation.
Can I finance a private sale?
Absolutely! Unlike banks that only finance through dealers, TrueRide Capital provides financing for purchases from private sellers across Canada. Whether you found your dream ATV on Kijiji, a motorcycle from a private owner, or an RV from a friend, we can finance it. You have the freedom to shop anywhere and get the best deal.
How long does approval take?
Are there any hidden fees?
Can I pay off my loan early?
Do you finance used vehicles?
Do You Finance Self-Employed Borrowers?
Not at all a problem! We understand that self-employed Canadians have unique income situations. TrueRide Capital offers flexible income verification methods including bank statements, contracts, or alternative documentation. Many self-employed clients qualify without traditional proof of income requirements. We work with your specific situation to find the right solution.
Does TrueRide Collect My Down Payment?
NO! TrueRide Capital never collects money directly from clients. Any down payment goes directly to the dealer or private seller you’re purchasing from. We simply provide the financing – you handle the transaction directly with the seller for complete transparency and security.
Which Types of Vehicles Are Eligible for Financing?
We finance all types of powersports and recreational vehicles including ATVs, UTVs, motorcycles, RVs, travel trailers, snowmobiles, personal watercraft, boats, dirt bikes, and more. Both new and used vehicles up to 15 years old qualify. If it’s built for adventure, we can finance it!
What Down Payment Will I Need to Provide?
Many clients qualify for $0 down financing! Down payment requirements vary based on the vehicle type, your credit situation, and loan amount. We offer flexible down payment options from $0 to traditional amounts, working with your budget to find the right solution.
Is a Co-Signer Required for Approval?
Not necessarily! While co-signers can help strengthen an application, many of our clients qualify on their own. We evaluate each application individually and only suggest a co-signer if it significantly improves your approval odds or rates. We always try to approve you independently first.
- Bank-Level Security
- All Credit Welcome
- Private Sales Specialists
- No obligation, no impact on your credit score
