How It Works

Quick. Smooth. No Roadblocks.

So Really, How It Works?

01

Get Pre-Qualified

It takes just a few minutes to apply. You could be approved within 24 hours. No payslip? Self-employed? Don’t worry, we look at the whole picture, not just the paperwork.

02

Shop With Confidence

Once you’re pre-approved, you can shop like you’ve already paid. New or used, dealer or private seller, the decision is entirely yours.

03

Take a Moment

When it's all done, and you're out riding, towing, or coasting downriver, take a second to appreciate how easy it was. Then tell a friend. Or don’t. We’re happy either way.

Frequently asked questions

Got questions? We’ve got answers.

Yep. That’s kind of the whole point of us. We work with the people banks like to ghost. No hoops. No lectures. Often no down payment. Just real options that actually go somewhere.

Not unless you count success as a problem. We know not everyone gets a tidy little paystub every two weeks. Side hustle, full-time gig, cash-based income, we’ve seen it all. In many cases, we won’t even ask for proof.

Shorter than your average Netflix episode. You apply today, and in a lot of cases, we’re calling you back tomorrow. Maybe even before your second coffee hits.

No catch. Just math. Good credit? You’ll get good rates. Rough credit? The rate shifts, but so does the opportunity. Either way, we’ll be upfront. No smoke, no mirrors.

Absolutely not. That’s yours. It goes to the seller, not us. We don’t skim off the top or hold your cash hostage. We’re just here to get you financed and on your way.

Client Testimonials

See What Our Customers Say

I thought financing would be a headache. It wasn’t. I filled out the application on a Tuesday, fully expecting the usual slow crawl of back-and-forth emails. Instead, I had a call the next day, approval by Friday, and I picked up my snowmobile that weekend. Easiest financial process I’ve ever been through, and I’ve bought a house.

Trevor Dv Saskatoon, SK

They didn’t care about my credit score. They cared about helping. My credit was rough after a job loss, and I assumed no lender would take me seriously. But BuyAToy didn’t make me explain or apologize, they just got to work. A few questions, a quick call, and I was approved for a used ATV with a fair rate. Real people doing real work.