How Buy a Toy Works
How to get a loan
You found a recreational toy you want to buy and now you need to finance it.
At Buy a Toy, we offer a simple and quick application process to secure you a loan, so that you can make your dream purchase a reality. It is super easy! Just fill out a quick two minute application and our financial experts will work with you and our lenders to offer you the lowest rate possible! We guarantee a pre-approval within 24 hours of applying!
Complete our 2-minute credit application and our experts will start the pre-approval process. We will contact you and ask for the following: Copy of a Legal Canadian ID (i.e.: Drivers License/Passport) to verify your identity. Our lenders may also require income verification documents. Once pre-approved, you can purchase a toy from a dealer or a private listing with complete confidence! All we will need once you have purchased your toy is a copy of your purchase agreement and a copy of the ownership. Payment for your purchase will be made to the dealer/private party once you have signed and completed the contracts (within 24-48 hours after receiving the funds from the lender). Once the selling party has successfully received full payment you can arrange for pick-up/delivery.
Dealer or private purchase/sale
With Buy a Toy, you have the freedom to choose between a dealer sale or a private sale when buying or selling your toy. Our in-house finance experts will guide you through a seamless transaction, whether you choose to purchase your toy via a private sale or a dealer of your choice.
Good credit, bad credit or no credit
We can help you buy a recreational toy whether you have good credit, bad credit, or no credit. Most loans can qualify with a zero down payment option! Using our financial expertise, we promise to secure you the lowest available rate possible.
Bankruptcy/credit counselling/judgements/consumer proposal program
Do you have challenged credit, or did you experience a bankruptcy? No problem! We can help you. We have over 30 years of combined financial loan experience and have assisted thousands of customers in rebuilding their credit after unfortunate circumstances.
"Business for self" program
At Buy a Toy, we understand and appreciate the needs of all entrepreneurs! We have special programs set up with our lending partners for our self-employed clients. Simply complete our online application to get started.
Why choose us?
Get the lowest interest rates
- Qualified financial experts will work with all major lending institutions to secure you the best rate possible.
Excellent customer service
- Professional and friendly service
- Quick and simple application process
- Judgement free service to those with challenging credit needs