Yes, we provide financing for both new and used Powersports, Marine, RV, and More. Our extensive network allows us to assist you in finding and financing the right unit that suits your needs, whether it's brand new or pre-owned.

Applying is straightforward:
1. Visit our website at topgearloans.ca
2. Complete the secure online credit application form.
3. Our team will review your application and contact you to discuss the next steps.
4. Approvals in less than 30 minutes.

We work with clients across all credit spectrums, including those with:
- Excellent Credit
- Good Credit
- Fair Credit
- Poor Credit
- Bankruptcy / Consumer Debt Proposal
- Repossessions

Our goal is to provide financing solutions tailored to your individual credit situation.

Absolutely. Getting pre-approved can help you understand your budget and streamline the purchasing process. Once pre-approved, you can shop with confidence, knowing your financing is in place.

Yes, we offer financing options for both private sales and dealership purchases. Our flexible approach ensures you can secure financing regardless of where you find your ideal vehicle.

You’ll need to provide:
- Valid government-issued ID
- Proof of income (e.g., pay stubs, bank statements)
- Details of the vehicle you're interested in (if available)
- Self employment details (e.g., bank statements, invoices)

Our team will guide you through the specific documentation needed based on your application.

Our approval process is designed to be quick and efficient. In many cases, approvals are granted within 30 minutes or less after receiving all necessary information.

Yes, we offer refinancing options that may help you secure better terms or lower monthly payments on your existing loan. Contact us to discuss your specific situation and see how we can assist.