Finance Now

We Finance More Than Just Toys

Whatever you’re eyeing, from off-road beasts to hardworking machines, we’ve got flexible financing built to match.

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Frequently asked questions

Got questions? We’ve got answers.

Short answer: yes. We’re built for people banks overlook. No judgment. No down payment in most cases. Just a fast “yes” and a better way forward.

Not here. We get that income doesn’t always come with a paystub. Many of our lenders don’t even require proof of income. You hustle? That counts.

Fast. Like, coffee’s-still-hot fast. Apply now, you could be approved in under 24 hours.

No catch. Just clear answers. Got great credit? You’ll see great rates. Working on your credit? We’ll still get you the best available deal, and we’ll be straight with you about everything.

Never. Your down payment goes straight to the dealer or seller. We’re the broker, not the middleman with sticky fingers

Client Testimonials

See What Our Customers Say

They didn’t just get me a loan, they got me back on the road. After a messy divorce, my credit took a hit, and no dealership wanted to talk to me. BuyAToy was the only place that didn’t make me feel like a lost cause. They found a lender who actually gave me a chance, and now I’ve got a motorcycle and a fresh start.

Evan T Red Deer, AB

Fast, friendly, and shockingly easy. I thought financing a snowmobile would be a paperwork nightmare, but it wasn’t. The team at BuyAToy explained everything clearly, helped me apply, and within 48 hours I had the approval in hand. Easiest big purchase I’ve ever made.

Sophie L Moncton, NB

"I found my dream boat and within a week I owned it, thanks to Buy a Toy it was a fast and easy process. They are the best!"

Chris

Kingston, Ontario

"Unfortunately, I couldn’t get approved on the new dirt bike I wanted from the dealership so I found Buy A Toy online and applied, Within hours I was approved and was able to pick up my brand new dirt Bike from the showroom! Thanks, Buy A Toy."