Financing Your Fun, Without the Fuss

About Us

We Don’t Just Finance Toys. We Fund Freedom.

At Buy A Toy, we turn “maybe one day” into “let’s hit the road.” With over 30 years of combined experience, we’re more than a financial middleman—we’re the team that gets Canadians moving. Want a boat that’s more reality than daydream? A jet ski that actually hits the water? An ATV that’s built for mud, or an RV ready for weekends away? We’ve got you covered across Ontario and Canada. Our process is simple: fill out a fast 2-minute online application, and we’ll connect you with trusted lenders to find the best loan for your lifestyle, your budget, and your adventures.

Boats (fishing, pontoon, cruisers, sailboats, you name it)

Personal watercraft (PWCs, if you're fancy)

ATVs, UTVs, and snowmobiles

RVs, camping trailers, motorhomes, toy haulers

And motorcycles, from city slickers to highway legends

Because life’s too short for "someday."

Big dreams. No stress. Let’s go

Unlock the Toy You’ve Been Dreaming About

Good Credit

You've put in the work. Now let it work for you. We’ll lock in the best rates on your powersports loan, quick, clean, and with zero hassle.

Bad Credit

Scuffed credit? Happens. We’re not here to judge, we’re here to solve. Our network is built for this. We’ll get you the best deal you qualify for, no lectures, just loans.

No Credit

New to the credit game? You’re not alone. We partner with lenders who see potential, not just numbers. This is your starting line, we’ll help you launch.

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Client Testimonials

See What Our Customers Say

I got approved the same day, even with my credit score under 600. I thought financing a jet ski with bad credit was going to be impossible. BuyAToy made the process ridiculously easy. I filled out the form in the morning, and by that afternoon, I had my approval. No pushy sales, no judgment, just straight-up help. Now every weekend feels like a vacation.

LisaMarcus J Clearwater, FL

Smoothest loan experience I’ve ever had, and I’ve bought houses. I’ve worked with banks, dealers, you name it, but none of them handled my motorcycle loan like BuyAToy. They found a rate lower than my own credit union offered, and the whole process was buttoned-up from start to finish. Highly recommend if you value speed, clarity, and zero nonsense.

Danielle R Spokane, WA

"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."