Leisure Vehicles and Working Equipment Financing: ATVs, SxSs, snowmobiles, boats, RVs, motorcycles, dirt bikes, jet skis, golf carts, tractors, skid steers, scissor lifts, snowblowers, and snowplows.
Whether you’re carving through the Highlands on a snowmobile, hitting the South Shore on a jet ski, or clearing a winter driveway in Truro, we make powersports financing in Nova Scotia fast, flexible, and accessible. From the latest dealer models to private sales on Facebook Marketplace, we help Nova Scotians get behind the handlebars.
We provide tailored loan solutions for both recreation and utility. If it has an engine and an adventure attached to it, we likely finance it.
Recreational Vehicles
Working Equipment & Accessories
We don’t just stop at fun. We provide financing for the tools that keep Nova Scotia moving:
Pro Tip: We finance private sales! Found a deal on Facebook Marketplace or Kijiji? We can process the loan just like a dealership purchase.
Navigating the Off-Highway Vehicles Act is essential for legal riding in NS. Here is what you need to know:
Nova Scotia’s weather defines the riding experience. Plan your financing ahead of the rush:
Season | Vehicle Type | Peak Months | Notes |
ATV / UTV | All-Terrain | March – October | The most popular choice as they can be used year-round with tracks/plows. |
Marine | Boats / Jet Skis | May – September | Short but sweet. High demand for financing starts in early April. |
Snowmobile | Sleds | Dec – March | Heavily dependent on snowfall in the Highlands and Annapolis Valley. |
While we finance private sales, we also partner with major dealerships across the province, including:
Don’t Stress, We Got You Covered!
We offer a range of credit solutions to finance powersports vehicles and working equipment quickly, no matter your credit score.
Got questions about powersports financing? We got you covered. Take a look at answers to common questions.
You do not need a standard Class 5 driver’s license to operate an ATV or snowmobile on trails, but you must adhere to the Off-Highway Vehicles Act and have completed safety training if under 16.
Trail passes are managed by ATVANS (ATV Association of Nova Scotia) and SANS (Snowmobilers Association of Nova Scotia). You can purchase these online or at authorized local retailers and dealerships.
We work with all credit profiles. While “Prime” rates usually require a score of 660+, we offer specialized programs for those rebuilding credit or with no credit history.
Lenders typically require the vehicle to be registered in your name with the lien recorded. For marine financing, if the loan is significant, a Marine Mortgage may be registered with Transport Canada.
Registration & Legal
Service Nova Scotia – OHV Registration: The official portal for registering your ATV, snowmobile, or dirt bike.
Nova Scotia Off-Highway Vehicles Act: The complete legal framework for riding in the province.
OHV Riders Handbook (PDF): A comprehensive guide on safety, rules, and environmental protection in NS.
Trail Associations & Permits
ATVANS (ATV Association of Nova Scotia): Find local clubs, safety training, and purchase trail permits for off-roading.
SANS (Snowmobilers Association of Nova Scotia): The go-to source for snowmobile trail maps, grooming updates, and season permits.
NSORRA (Nova Scotia Off-Road Riders Association): Information specifically for dirt bike and off-road motorcycle enthusiasts.
Marine & Boating
Transport Canada – Vessel Licensing: Required for all boats with an engine of 10hp (7.5kW) or more.
Pleasure Craft Operator Card (PCOC): Get your “boating license” to legally operate watercraft in Nova Scotia waters.
Insurance & Safety
Nova Scotia OHV Insurance Guide: Official breakdown of the mandatory $500,000 liability coverage requirements.
Road Trails Act Overview: Learn where you can legally ride on road shoulders to access amenities in Nova Scotia.
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