Any Ride. Any Year. Any Adventure.

You Find the Ride.
We Find the Financing.

Dealer, private seller, Kijiji or Facebook Marketplace. If it has wheels and a VIN, we can finance it. And it all happens on your phone, from wherever you are.

Get Pre-Approved See How It Works
★★★★★
TrustpilotRated by real customers
Can-Am Defender XMR side-by-side ripping through mud
Any Year Accepted
Any Source
100% Online Process
Simple Process

Any Year. Any Adventure. We Finance It.

A straightforward path from the ride you want to the financing that gets you there. All from your phone.

01

Find Your Ride

Browse any dealer, a private seller, Facebook Marketplace, or Kijiji. Any source works.

02

Apply in Minutes

Quick, secure application from your phone or laptop. No commitment required.

03

Get Approved

One application. The right lending partner. Terms that fit you.

04

Ride Away

We handle the paperwork and funding. You pick up your ride and let the adventure begin.

Any Ride

If It Has a VIN, We Can Finance It

From trail-ready ATVs to weekend cruisers. New or used, gas or electric, dealer or private sale. We finance the full range of powersports and recreational vehicles.

ATV on a trail

ATVs & Quads

All makes & models

Recreational vehicle

RVs

Travel trailers, fifth wheels, campers

Side-by-side UTV on a trail

Side-by-Sides

UTVs & SxS

Recreational trailer

Trailers

Utility, cargo, toy haulers

Motorcycle

Motorcycles

Street & cruiser

Recreational boat

Boats

Fishing, pontoon, cruiser

Dirt bike on a trail

Dirt Bikes

Gas & electric

Electric motorcycle

Electric

Motorcycle-style & scooters

Snowmobile on a snow-covered trail

Snowmobiles

Trail & mountain

Personal watercraft on the water

Jet Skis & PWC

Personal watercraft

Why TBJ

Three Reasons Riders Choose TBJ

Any year. Any ride. Any adventure. From vintage classics to brand-new rides, finance your next purchase from a dealer or private seller all from your phone. Fast. Flexible. Fully online.

Any Year

Older Rides Welcome

A 2010 ATV? A 2008 snowmobile? We finance any year, and we know exactly which of our lending partners will match you with the best terms.

  • Any model year approved across our lender network
  • Any kilometre reading. High-km rides welcome
  • Classic & collectible powersports financing available
Any Source

Dealership, Private Sales & Marketplaces

Found it at a dealership? On Kijiji, Facebook Marketplace, or from a neighbour? If it has a VIN, we can finance it.

  • Dealer, private seller, or marketplace, any source works
  • Get approved before you buy, dealer or private
  • You find the ride. We handle the financing
Anywhere

Entirely On Your Phone

Application, approval, documents, funding. The whole thing happens on your phone, tablet, or laptop. From wherever you are.

  • 100% online application, approval & funding
  • Documents signed digitally through Adobe Sign
  • Bank-grade ID verification keeps you protected
Real Customers

Riders We’ve Helped Get Moving

We’re building our reputation one deal at a time. Here’s what customers are saying.

★★★★★

“Bryce was extremely helpful. He took care of the whole process for me and really went above and beyond! Know you are in good hands. Thank you!”

T
Tea.
Ontario
★★★★★

“Great experience with Jordan. Stand up Guy explained any charges, nothing was swept under the mat till last min. Had my unit within a week. I have a hard time with my phone at work and he was super patient. Thanks again Jordan!”

CK
Cam K.
Ontario
★★★★★

“Tony has been the best of the best guy we have been dealing with in the past years! We would definitely refer all our family/friends to him. Thank YOU Tony!”

FT
Francis T.
Ontario
Questions

Answers Before You Apply

Straight answers to the questions we hear most. Still unsure? Reach out. We’re happy to talk it through.

Yes. You find the ride, we handle the financing. Financing can be approved before you even meet the seller.
Yes. We finance any year ride and any kilometre reading. Including older, high-kilometre models. If it has a VIN, we can usually finance it.
Yes. Application, approval, document signing, and funding all happen electronically. From your phone, tablet, or laptop. Documents are signed securely through Adobe Sign, and our lenders use bank-grade ID and banking verification to keep the process safe for everyone involved.
You’ll need basic personal information, proof of income, and details about the ride you’re purchasing (year, make, model, and asking price). The application takes about 5 minutes and most decisions come back the same day.
Our lender network approves from 550 and up. Including past collections, consumer proposals, and self-employed income. If your credit is below that, we’ll tell you honestly. The best way to know is to apply.
Applying is free. TBJ Capital Financing charges a broker administration fee that is added to the financing deal. This fee is fully disclosed to you before you sign anything.

Your Adventure Is One Application Away

Start your application or give us a call. Most decisions come back the same business day.

Get Pre-approved Call (800) 620-3959
Mon-Fri: 9AM – 5PM  ·  Sat-Sun: Appointment Only

Simple, secure application. No commitment required.