Double the Fun: Side by Side Financing for Shared Adventures
Some adventures are better shared. Whether you’re exploring backcountry trails with your partner, teaching your kids to love the outdoors, or tackling work projects around your property, side by side vehicles (UTVs) offer the perfect combination of capability and companionship.
TrueRide Capital understands that side by sides represent more than just recreational vehicles—they’re your gateway to shared experiences and family memories. That’s why we’ve made side by side financing in Canada accessible, affordable, and approval-friendly for riders across the country.
Apply for Side by Side Financing
Why Side by Sides Are Taking Over Canadian Trails
The popularity of UTVs (Utility Task Vehicles) has exploded across Canada, and for good reason:
Shared Adventure Experience
- Two-Person Capacity: Share the thrill with your favorite riding partner
- Family Bonding: Create memories with kids and grandkids
- Social Riding: Join group adventures and UTV clubs
- Teaching Platform: Help others learn off-road skills safely
Superior Capability
- Cargo Space: Haul gear, tools, or camping equipment
- Towing Capacity: Pull trailers, boats, or work implements
- Weather Protection: Optional cabs and windshields
- Stability: Four wheels provide confident handling
Versatility
- Recreation: Trail riding, hunting, camping
- Work Applications: Farm, ranch, and property maintenance
- Utility: Firewood hauling, landscaping, construction
- Emergency Use: Access remote areas when needed
Types of Side by Sides We Finance
TrueRide Capital provides UTV financing for all categories of side by side vehicles:
Sport Side by Sides
Built for high-performance trail riding and racing:
- Polaris RZR Series: RZR XP 1000, RZR Pro XP, RZR Turbo S
- Can-Am Maverick Series: Maverick X3, Maverick Sport, Maverick Trail
- Yamaha YXZ Series: YXZ1000R, YXZ1000R SS
- Honda Talon Series: Talon 1000X, Talon 1000R
- Kawasaki Teryx Series: Teryx KRX 1000
Utility Side by Sides
Designed for work and practical applications:
- Polaris Ranger Series: Ranger 1000, Ranger XP 1000, Ranger Crew
- Can-Am Defender Series: Defender HD, Defender MAX, Defender Limited
- Honda Pioneer Series: Pioneer 1000, Pioneer 700, Pioneer 500
- Yamaha Viking Series: Viking VI, Viking EPS
- John Deere Gator Series: XUV835, XUV865
Recreational UTVs
Perfect balance of fun and function:
- Mid-Size Models: Comfortable for two riders
- Full-Size Units: Maximum capability and comfort
- Electric Options: Quiet operation for sensitive areas
- Youth Models: Safe introduction for younger riders
Multi-Passenger Models
Four and six-seat configurations for families:
- 4-Seat Models: Perfect for families with kids
- 6-Seat Configurations: Group adventures and extended family
- Crew Cab Options: Work and play versatility
Side by Side Financing Options
TrueRide Capital offers comprehensive side by side financing options to match your budget and needs:
New UTV Financing
- Loan Amounts: $10,000 to $100,000+
- Terms: 12 to 84 months
- Interest Rates: Starting at 6.99% OAC
- Down Payment: $0 to 20% options
- Benefits: Full warranty, latest features, manufacturer incentives
Used Side by Side Financing
- Vehicle Age: Up to 15 years old
- Better Value: Lower purchase prices
- Proven Reliability: Known performance history
- Modification Potential: Often already customized
- Faster Depreciation: Less value loss over time
Commercial UTV Financing
Special programs for business and commercial use:
- Tax Benefits: Potential business expense deductions
- Fleet Financing: Multiple unit purchases
- Work-Specific Models: Utility beds, PTO options
- Seasonal Payments: Flexible terms for seasonal businesses
Package Deals
Finance your complete adventure setup:
- UTV + Trailer: Convenient transportation solution
- Accessory Packages: Winches, lighting, protection
- Safety Gear: Helmets, harnesses, communication systems
- Maintenance Plans: Extended warranties and service
Bad Credit UTV Financing
Past credit challenges shouldn’t keep you from shared adventures. Our bad credit side by side financing program helps Canadians with all credit situations:
Specialized Underwriting
We look beyond credit scores to evaluate:
- Current Income: Ability to make payments now
- Employment Stability: Consistent work history
- Down Payment: Commitment to the purchase
- Previous Vehicle History: Past financing responsibility
- Co-Signer Support: Additional financial backing when helpful
Success Stories
Mark & Jennifer from Red Deer: Credit challenges from a previous business closure didn’t stop them from financing a 2024 Polaris Ranger 1000. With a $3,000 down payment and our bad credit program, they’re now exploring Alberta’s foothills together.
The Thompson Family from Ontario: Despite a previous bankruptcy, they qualified for a used Can-Am Defender MAX, creating new family traditions at their cottage in Muskoka.
The UTV Financing Process
Getting approved for UTV loans Canada is streamlined with TrueRide Capital:
Step 1: Quick Application (60 Seconds)
- Basic personal and financial information
- Employment and income details
- Desired loan amount and terms
- UTV type and intended use
Step 2: Instant Pre-Qualification
- Immediate preliminary approval decision
- Estimated loan amount and rates
- Required down payment amount
- Next steps clearly outlined
Step 3: Documentation and Verification
- Income verification (pay stubs, tax returns, bank statements)
- Identity confirmation (driver’s license, passport)
- Employment verification
- Banking information for payments
Step 4: Shop and Purchase
- Shop at any dealer or private seller
- Negotiate confidently as a pre-approved buyer
- Complete final paperwork
- Arrange insurance and take delivery
Popular UTV Uses Across Canada
Canadian UTV owners use their machines in countless ways:
Recreational Activities
- Trail Riding: Exploring provincial parks and crown land
- Camping: Accessing remote campsites and hauling gear
- Hunting: Transportation and game retrieval
- Fishing: Accessing remote lakes and rivers
- Beach Riding: Coastal adventures and exploration
Work Applications
- Farming: Livestock management, fence repair, field inspection
- Forestry: Trail maintenance, equipment transport
- Construction: Site access, tool transport, material hauling
- Property Maintenance: Landscaping, snow removal, maintenance
- Emergency Services: Search and rescue, medical access
Seasonal Activities
- Summer: Trail riding, beach exploration, camping
- Fall: Hunting season, leaf peeping tours
- Winter: Ice fishing, winter trail access (with tracks)
- Spring: Maple syrup operations, property cleanup
Essential UTV Accessories to Finance
Maximize your UTV investment with financing for essential accessories:
Protection and Safety
- Roll Cages: Enhanced protection for sport riding
- Rock Sliders: Undercarriage protection
- A-Arm Guards: Suspension component protection
- Helmets and Harnesses: Essential safety equipment
- Fire Extinguisher: Emergency preparedness
Utility Enhancements
- Winches: Recovery and work capability
- Cargo Boxes: Secure storage solutions
- Trailer Hitches: Towing capability
- Plow Systems: Snow removal capability
- Tool Holders: Work organization
Comfort and Convenience
- Windshields: Weather protection
- Cabs and Doors: Full weather enclosure
- Heaters: Cold weather comfort
- Sound Systems: Entertainment on the trail
- GPS Systems: Navigation and trail mapping
Performance Upgrades
- Suspension Upgrades: Improved ride quality
- Exhaust Systems: Performance and sound
- Air Intake Systems: Engine performance
- Tires and Wheels: Terrain-specific traction
- Lighting: LED bars and work lights
Canadian UTV Trail Systems
With your financed UTV, explore Canada’s incredible trail networks:
British Columbia
- BCOHVA Trails: Extensive network managed by BC Off-Highway Vehicle Association
- Cariboo Mountains: High alpine riding and stunning views
- Vancouver Island: Coastal forest trails and logging roads
- Peace Country: Rolling hills and farmland exploration
Alberta
- AOHVA Trail System: 5,000+ km of designated trails
- Ghost Forest: Popular Calgary-area destination
- McLean Creek: Challenging terrain near Calgary
- Bruderheim: Family-friendly trails near Edmonton
Saskatchewan
- Narrow Hills Provincial Park: Scenic lake and forest riding
- Duck Mountain: Challenging terrain and great views
- Crown Land Access: Extensive public land opportunities
Manitoba
- Spruce Woods: Sand dunes and unique terrain
- Whiteshell Provincial Park: Lake and forest trails
- Duck Mountains: Challenging backcountry riding
Ontario
- OFATV Trail System: Thousands of kilometers of marked trails
- Algoma Country: Remote wilderness exploration
- Kawartha Highlands: Rolling hills and granite outcrops
- Muskoka: Cottage country trail networks
UTV Safety and Training
Responsible UTV ownership includes proper safety and training:
Safety Equipment
- Helmets: DOT or Snell approved for all riders
- Eye Protection: Goggles or safety glasses
- Protective Clothing: Long sleeves, pants, closed-toe shoes
- Seat Belts/Harnesses: Proper restraint systems
- First Aid Kit: Emergency medical supplies
Training Opportunities
- ATV Safety Courses: Many provinces offer certified training
- Dealer Training: Most dealers provide basic operation training
- Club Education: Local UTV clubs often offer advanced training
- Youth Programs: Age-appropriate safety education
Legal Requirements
- Provincial Regulations: Each province has specific UTV laws
- Trail Permits: Required for designated trail systems
- Insurance: Liability coverage required in most areas
- Age Restrictions: Minimum age requirements for operation
Frequently Asked Questions
Q: What’s the difference between an ATV and a UTV?
A: UTVs (side by sides) have side-by-side seating, steering wheels, and seat belts. ATVs have straddle seating and handlebars. UTVs typically offer more cargo space and weather protection.
Q: Can I finance a used UTV from a private seller?
A: Yes! TrueRide Capital specializes in private sale financing. We handle payment directly to the seller and help verify clear title.
Q: What’s the maximum loan term for UTV financing?
A: We offer terms up to 84 months on qualified applications, though most customers choose 36-60 month terms for the best balance of payment and total interest cost.
Q: Do you finance commercial UTVs for business use?
A: Absolutely! We have specialized commercial financing programs with competitive rates and terms designed for business applications.
Q: Can I include a trailer in my UTV financing?
A: Yes, we can often include trailers, accessories, and even extended warranties in your financing package for convenience and better overall terms.
Q: What insurance do I need for a financed UTV?
A: Financed UTVs typically require comprehensive and collision coverage in addition to liability insurance. We can help you understand the requirements.
Ready for Shared Adventures?
Life’s greatest adventures are often better when shared, and there’s no better way to explore Canada’s incredible outdoors than with a side by side vehicle. Whether you’re creating family memories, tackling work projects, or simply enjoying the companionship of shared trail riding, a UTV opens up a world of possibilities.
At TrueRide Capital, we understand that your side by side represents more than just a vehicle—it’s your ticket to shared experiences and unforgettable moments. That’s why we’ve made side by side financing accessible, affordable, and achievable for Canadians with all types of credit situations.
Don’t wait to start creating memories. Apply today and discover why thousands of Canadian adventure couples and families trust TrueRide Capital for their UTV financing needs.
TrueRide Capital – Doubling the Fun, Financing the Adventure
