Financing
Powersports
pre-approval.
Your next ride is closer than you think.
- 30+ Canadian lenders
- Soft check to start, no score impact
- All credit situations welcome
On approved credit (OAC)

- 4.6/5333 Google reviews
BBB Accredited Business- 30+Canadian lenders
- $0Down payment options, OAC
Start your application
Get pre-approved right here.
Fill in the application below and our financing team starts shopping your approval with 30+ Canadian lenders. We'll reach out within one business day.
Soft credit check only, no impact to your credit score
Takes about three minutes. Your information is secure and never shared without consent.
You're in good hands. We work with 30+ Canadian lenders to find you the best rate, even with bruised or no credit.
Prefer to talk? Call us at 587-404-7586
Approved riders
From approval to adventure
What happens after you hit submit.
- 1
Apply in minutes
You just did, or you're about to. The secure application above takes about three minutes.
- 2
We shop your approval
Our financing team reviews your options with 30+ Canadian lenders.
- 3
Choose your ride
Pick the machine that fits your approval, with a payment you're comfortable with.
- 4
Ride and explore
Finish the paperwork and arrange pickup or delivery anywhere in Canada.
Financing that fits real life
Whether you're rebuilding credit, self-employed or shopping for the best rate, one application puts our team to work for you.
Your application is submitted securely to our financing team. Joyride never asks for your SIN or banking login by chat, text or email.
Will applying affect my credit score?+
The initial Equifax snapshot used for pre-approval doesn't affect your credit score. If a lender needs a full credit check later, you'll be asked for consent before it happens.
Can I get approved with bad credit or no credit?+
We work with all credit situations and over 30 Canadian lenders, including lenders who specialise in rebuilding credit. Approval isn't guaranteed and terms depend on your profile.
Do I need a down payment?+
It depends on your approval. Many customers finance without a large down payment; putting money down can lower your payments. Your exact options come back with your approval.
Are the payments on the site bi-weekly or monthly?+
Payments shown on Joyride listings are bi-weekly estimates on approved credit, before taxes and fees. Your exact payment comes back with your approval.
What do I need to apply?+
Basic personal, address and employment details. Never share your SIN or banking passwords through chat or email.
All financing is on approved credit (OAC). Approval, interest rate, term and down payment depend on your credit profile and the lender. Payments shown on listings are bi-weekly estimates and exclude taxes, fees, freight and delivery unless stated. Not every applicant will qualify for every offer. Terms.





























