Premium ATV, UTV & Powersports Financing Solutions Across Canada

Canada's Most Trusted Powersports Lender—ATV, UTV & Side-by-Side Financing for Every Credit History: Good, Bad, or No Credit.

Our Process

How Can Our Team Help You to Reach Your Goals

Quick Digital Application

Complete our secure 3-minute application from any device. Most pre-approvals processed within 4 hours during business days.

Choose Your Adventure

Shop with confidence using your pre-approval. Visit any participating dealer or browse private sellers nationwide.

Ride Into Tomorrow

We handle documentation while you plan your first adventure. Funding typically available within 1-2 business days of final approval.

Our Commitment to Your Journey

SPECIALIZED POWERSPORTS LENDING - BUILT FOR RIDERS

At TrueRide Capital, we speak your language. We’re not another generic lender trying to understand your passion for the outdoors. Our team consists of riders, adventurers, and powersports enthusiasts who genuinely understand why that perfect ATV or UTV isn’t just a purchase—it’s your gateway to freedom.

✓ Instant Digital Pre-Approvals Within 4 Hours*
✓ Nationwide Dealer Network Partnerships
✓ Specialized Powersports Expertise Since 2016
✓ Zero Origination Fees on Qualified Applications*
✓ Flexible Payment Structures for Seasonal Income

*Subject to credit approval and meeting qualification requirements

YOUR FINANCIAL JOURNEY MATTERS MORE THAN YOUR CREDIT HISTORY

Popular Models We Finance

WE FINANCE ALL THE BRANDS YOU LOVE

From weekend warriors to work-horse UTVs, we finance every major brand and model. Your True Ride is waiting, regardless of the badge on the front.

Brand	Popular Models
Polaris	RZR XP 1000, Sportsman 570, Ranger XP 1000
Can-Am	Maverick X3, Outlander 570, Defender HD10
Yamaha	YXZ1000R, Grizzly EPS, Wolverine RMAX2 1000
Honda	Talon 1000R, Foreman 500, Pioneer 1000
Kawasaki	Teryx KRX 1000, Brute Force 750, Mule PRO-FXT
Arctic Cat	Wildcat XX, Alterra 700, Prowler Pro
Suzuki	KingQuad 750AXi, KingQuad 500AXi
John Deere	Gator XUV590M, Gator XUV835M
CFMOTO	ZFORCE 800, CFORCE 500
Hisun	Sector 750, Strike 1000
Kymco	UXV 700i, MXU 450i
Mahindra	ROXOR, mPact XTV
Textron Off Road	Stampede, Havoc
Kubota	RTV-XG850 Sidekick, RTV-X1140
Bobcat	UV34, UV59
Intimidator	GC1K, Classic Series

How quickly can I receive a financing decision?

Most applications receive preliminary decisions within 4 hours during business days. Final approval timing depends on documentation completion and verification requirements.

Will applying affect my credit score?

Our initial pre-qualification uses a soft credit inquiry that does not impact your credit score. Final approval may require a hard inquiry.

What if I have credit challenges or past bankruptcy?

Credit challenges don’t automatically disqualify you. We evaluate your complete financial picture and specialize in helping customers with various credit situations.

Can I finance a used ATV from a private seller?

Yes! Our Purchase Freedom Program allows financing for qualified used vehicles from dealers and private parties nationwide

Are there any application or origination fees?

Qualified applications have no origination fees. All costs are disclosed upfront with no hidden charges.

Testimonials

See What Our Clients Are Saying

4.9

Google reviews

“I hired Finovate for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”

Rebecca Roy

H&N – CEO & President

“Finovate has been instrumental in our growth. Their team took the time to truly understand our needs and helped us eliminate inefficiencies.”

Carlos Martines

MEX – CEO

“Partnering with Finovate was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”

Kate Smith

Swirl – CEO & President

Purchase Freedom Program

BUY FROM ANYONE, ANYWHERE - YOUR CHOICE, YOUR ADVENTURE

True freedom means choices. Our Purchase Freedom Program gives you pre-approved buying power to shop any ATV, UTV, or side-by-side from any authorized dealer or qualified private seller across Canada. No restrictions, no limitations—just the power to choose your perfect ride.

Trusted partner

Before You Finance an Off-Road Vehicle

All-terrain vehicles (ATVs) are four-wheeled machines engineered for terrain tougher than paved roads or maintained trails. Although utility terrain vehicles (UTVs), or side-by-sides, are sometimes grouped with ATVs, they’re distinct: ATVs are typically ridden straddled like a motorcycle, while UTVs seat two to four occupants side by side with car-style controls and often include a cargo bed. Before applying for financing, consider how and where you’ll ride—work-oriented utility models offer hauling racks and tow capacity, while sport-focused ATVs deliver higher speeds and agility for trail or recreational use.

Choosing Your Ideal Model

The TrueRide Experience

When selecting the right off-road machine, match features to your budget and intended use. Utility ATVs (e.g., Honda FourTrax Rancher) come with sturdy front and rear racks for gear, winches, and four-wheel drive for farm or job-site tasks. Performance ATVs sport powerful engines, upgraded suspensions, and accessories for high-speed trail riding—and they command a premium price. UTVs offer passenger comfort, foot pedals, and steering wheels, plus towing capacity for trailers or boats. Youth models are available for beginners and younger riders. Regardless of your choice, always wear approved safety gear and comply with local off-road regulations.

Why us?

You’ll Know What

You’re Getting Steps to Take Next

We are Transparent Like that. No Gimmicks.