The fastest way to apply is to complete our online application: https://tbjcapital.ca/apply-now Once we receive your information, we will contact you to gather any additional details. If you prefer to submit your application over the phone, feel free to call us. 

 Approval times can vary based on your credit profile. In many cases, approvals can be obtained the same business day. 

 Yes, we work with all credit types. We have partnerships with lenders who specialize in providing loans to individuals with less-than-perfect credit, including those who have faced bankruptcy or consumer proposals. 

 All of our lending partners do not have any early or pre-payment penalties. The loans are open ended and can be paid in full at anytime regardless of the term selected. 

 Loan terms typically range from 12 to 180 months, depending on the lender, the unit type, and the specific terms of the loan. Shorter loan terms usually result in higher monthly payments but lower overall interest costs. 

 We offer financing for a wide range of recreational and powersports vehicles, including ATVs,  side-by-sides, motorcycles, e-bikes, personal watercraft, snowmobiles, boats, motorhomes, RVs, trailers, and more. 

The required information may vary depending on your credit strength. Generally, you will need to provide:

• Government-issued ID (e.g., driver’s license, passport)
• In some cases, proof of income (e.g., recent pay stubs) and proof of residence (e.g., utility bill, credit card statement) might be required based on your credit profile and the lender’s policies.
• Bank information for auto-debit or pre-authorized payments.