Bankruptcy Financing

At BuyAToy, we believe in second chances

From Setback To Comeback, This Is Your Moment.

We Know What It’s Like

Bankruptcy. Consumer proposal. They don't just hit your wallet, they hit your pride. We get it. We’ve seen it. We’ve helped people through it.

This Isn’t the End of the Road

Most lenders see a dead end. We see a detour. One with a better view, and fewer potholes.

The Past Is a Place We Don’t Live In

Setbacks happen; everyone has their story. But we focus on where you're going next, not what’s behind you.

Build Back. On Your Terms

Let go of the shame. Let go of the judgment. Our bankruptcy and consumer proposal loans aren’t just about fixing credit. They’re about putting you back in control.
This next chapter starts with you, in the driver’s seat, where you belong. Starts with you back in the driver’s seat.

Fast. Easy. No Finger-Wagging.

Who Gets In?

You don’t need a perfect credit score. Or a glowing past. Just a few real-world essentials:

A steady income – Regular pay. Doesn’t matter if it’s 9–5 or self-made.
An active or recent bankruptcy/proposal – Still in it? Just out? That’s fine.
Signs of trying – A secured credit card. A bill paid on time. Something that shows you’re rebuilding.
ID and Canadian residency – We just need to know who you are, and where you are.
A down payment – Not always. But sometimes. We’ll let you know upfront.
No recent chaos – If things have calmed down since your filing, you’re in good shape.

Your past credit doesn’t define you. We help Canadians move forward with bad credit loans, ATV financing, RV loans, and more, across Ontario and throughout Canada.

Frequently asked questions

Got questions? We’ve got answers.

Yes, and that’s exactly why we’re here. We specialise in helping Canadians with bad credit or no credit get approved for ATV loans, RV financing, and vehicle loans across Ontario and beyond. Where banks say no, we work to turn it into a quick yes. In most cases, there’s no down payment, no hoops, just clear and simple financing to help you move forward.

Not with us. We know that paystubs aren’t the only way to make a living. We’re flexible, and in many cases, we don’t even need proof of income. You hustle? That’s good enough for us.

Fast. Like, 24-hours fast. You apply today, we might call you back before you finish your coffee.

No catch. Just the truth. If your credit’s strong, you’ll get bank-level rates. If it’s been bumpy, we’ve still got you, rates vary, but we’ll be straight with you from the start.

Nope. Never. Any down payment goes straight to the dealer or seller. We don’t touch your money, we just help you move forward with it.

Client Testimonials

See What Our Customers Say

I was fresh out of a consumer proposal and assumed no one would give me the time of day, let alone a loan. But BuyAToy treated me like a person, not a credit score. Two days later, I was approved and riding my new ATV. Honestly, I didn’t think it was possible.

Mark R Sudbury, ON

Self-employed for 10 years, and every bank acted like I didn’t exist. BuyAToy didn’t blink. They worked around my paperwork, found a lender that actually understood my situation, and now I’m cruising the lake every weekend. Total game-changer.

Janelle P Kelowna, BC

Filed for Bankruptcy? Good. Now Let’s Move Forward.

You’ve been through enough. Judgment’s behind you. We’re here to get you back in the game, with a lender that listens, a loan that works, and a machine that makes it all worth it.
Wherever you are in Canada, we’ll meet you there,and get you moving. This isn’t a second chance. It’s your next one.