RideFirst Finance specializes in getting bad credit, no credit, and rebuilding credit customers approved for motorcycles, ATVs, dirt bikes, side-by-sides, snowmobiles, and more across Canada.
No dealership runaround. No embarrassing in-person credit checks. Just a straightforward path to your next ride.
Fill out our 3-minute application. No SIN number, no hard credit pull just to start. Tell us what you want to ride and your budget.
We submit your file to our lender network. We work with lenders who specialize in non-prime and subprime financing across Canada.
Once approved, we source your vehicle from Facebook Marketplace, Kijiji, and dealer networks — finding the best deal for you.
Documents signed, financing funded. Your unit gets delivered or you pick it up. Start building your credit with every payment.
From commuter bikes to weekend warriors — we finance all powersports categories across Canada.
Traditional dealerships and banks reject thousands of Canadians every year. We exist to change that.
We work exclusively with lenders who understand non-prime and subprime financing — giving you a real shot at approval others can't offer.
You don't need to find the unit first. We shop Facebook Marketplace, Kijiji, and dealers to find you the best deal once you're approved.
Every on-time payment helps rebuild your credit score. This isn't just a loan — it's a step toward better financial health.
No call centres. No bots. You'll work directly with our team who will guide you through every step of the process.
"I had a bankruptcy on my record and every dealership turned me down. RideFirst got me approved for my ATV in less than 48 hours. I couldn't believe it."
"First-time buyer, zero credit history. They walked me through everything and found me a great deal on a dirt bike I actually wanted."
We've seen it all — and we have a path forward for every situation.
Collections, missed payments, late history — we work with lenders who look beyond your score at your current ability to pay. A low number doesn't mean automatic rejection here.
Score 300–599 · We Can HelpNew to Canada? Young first-time buyer? No credit history is actually easier to work with than bad credit. This financing can become the foundation you need.
No History · Great Starting PointComing out of bankruptcy, consumer proposal, or just looking to rebuild? A powersports loan with consistent payments is one of the best tools for credit recovery.
Rebuilding · Perfect Tool For ItApply in 3 minutes. No SIN required. No hard credit pull to start.
All credit types considered — bad credit, no credit, rebuilding credit.
🔒 Secure portal · Your information is protected · 100% free to apply