Sparta Finance works with over 20 banks to help their customers with financing solutions for Auto, Recreational, Leisure, Marine, Vehicle Repair and more! Bad credit is not dismissed with Sparta Finance, and because of their many partners like Sun Life Financial, they work to provide as many applicants as possible with a loan solution that meets their needs.
Products Offered
$2,500 - Unlimited
Starting at 3.9% - 34.9%
3 - 240 Months
Motorsport Financing
Conditions & Rates
Interest rate Starting at 3.9% – 34.9%, 0% Programs Available OAC Amount $2,500 to Unlimited Term 3 – 240 months
Eligibility & Documents
Who is eligible
- Canadian residents over 18+
- We are a judgement free zone – we will consider all walks of life with any credit situation
What you need to provide
- Driver’s License
- Second ID
- 2 most recent pay stubs
- 3 months bank statements (if required)
- Additional income supporting documents such as Letter of Employment, T4, Notice of Assessment, Invoices etc (if required)
Repayment & Issuance
How fast can you get the money Within a few days Funding method Directly to equipment provider How does repayment work Bi-weekly or monthly payments from bank account
Contact information
Frequently Asked Questions About Sparta Finance
What is Sparta Finance?
What Products and Services Does Sparta Finance Offer?
Sparta Finance offers financial solutions for auto, leisure, boat and marine, and motorsport financing.
What Is the Interest Rate on a Sparta Finance Loan?
Interest rates on loans from Sparta Finance range from as low as 3.9% and as high as 34.9%.
How to Qualify for a Sparta Finance Loan?
If you’d like to qualify for a Sparta Finance loan then you'll need to be a Canadian resident that's over 18 years old, have a driver's license, provide a second piece of identification, 2 most recent pay stubs, 3 months of bank statements, and you may be required to share additional income supporting documents.
How Fast Can I Get a Loan from Sparta Finance?
You can get a loan from Sparta Finance (if approved) within a few days.
How Does Loan Repayment Work at Sparta Finance?
You can pay back your Sparta Finance loan by setting up pre-authorized payments from your bank. They can either be bi-weekly payments or monthly.
What Kind of Customer Support Does Sparta Finance Offer?
Sparta Finance offers numerous ways to contact them, including phone and email support, social media, and through their dealer network.
Is Sparta Finance Safe?
Sparta Finance has been in business since 2017 and has helped hundreds of happy customers all over Canada. They’re regulated by the Alberta Vehicle Industry Council. Sparta Finance has a great reputation in the industry with over 130 reviews on Google with a 4.9 out of 5 stars rating. Additionally, they’ve been known to give back, donating to multiple charities like Pacific Centre Family Services Association, Crohn's and Colitis Canada and more.
How Much Can I Borrow from Sparta Finance?
There is no cap on how much you can borrow from Sparta Finance. They offer loans starting at $2,500 and can go as high as you need.
What Is the Term Length for Sparta Finance Loans?
Sparta Finance offers loans with a term length between 3 and 240 months.
Can I Apply Online for a Sparta Finance Loan?
Yes, you can apply for a Sparta Finance loan online. Click their “Approve Me Now” button on their website and that'll lead you to their online application form.
How Will Sparta Finance Send Me the Loan?
Sparta Finance will send the funds directly to the equipment or auto provider that you will be buying from.
Which Provinces Is Sparta Finance Available in?
Sparta Finance operates all over Canada.
What are Sparta Finance Working Hours?
Sparta Finance call centre hours are Monday to Friday from 9AM to 6PM MDT and Saturday from 10AM to 5PM MDT.
Sparta Finance Reviews
Avg. Rating: 5.0 (90 reviews)
June 22, 2020
“The team at Sparta really cares for their customers. They helped me get a boat with pretty low credit. Thanks guys.”
June 22, 2020
“Joe and his team a Sparta are super nice and helped us finance a few ATV's. They really go to war for you. ”
June 22, 2020
“Thank you to the Sparta Finance guys at the Victoria,BC location. My husband Tyler and I are so happy doing business with Sparta. They helped us find our home and truck with a budget that works for us. We are pleased with the professional service and hard work you have invested in helping us find the right trailer and truck that fits our needs. Thanks to Naz, Richard, and Brock and all the other people that helped us out at the dealerships. We will continue to do business with these guys! (via Google reviews)”
August 24, 2020
“Great people”
August 24, 2020
“Very helpful. Informative. Definitely will come back for future financing needs. ”
August 24, 2020
“Very keen to help! I got what I wanted and am very very happy with the services provided as well as the assistance along the way. Great team working for sparta finance! ”
September 4, 2020
“Sparta finance has done such a great job, the stuff is very polite and easy going, they make purchasing a vehicle or recreational vehicle as simple as saying yes. I highly recommend there services ”
September 15, 2020
“sparta has been the best type of financing I've come across vary friendly an great to work with.”
September 15, 2020
“Joe and his team from Sparta Financial made it easy, stress free, and helped me find the perfect vehicle. The car came extremely clean and was running smooth. Highly recommend! ”
September 15, 2020
“Thanks so much Sparta!! Such a great experience I absolutely enjoy everything and grateful for everything highly recommend! ”
September 24, 2020
“They made it so easy for me to get my side by side. Yeah the interest rate is a little higher but they make it happen. It was the most stress free experience ever! ”
September 30, 2020
“I highly recommend Sparta Finance! The whole team was super helpful and kept me updated every step of the way. There were no questions left unanswered! I put all my trust in them and I am so happy that I did. Thank you Sparta Finance!!”
October 2, 2020
“Great people! Great service! Sparta rocks! Financed me in no time!”
October 2, 2020
“Fast, easy, and great to work with. Helpful and really look for anything you want. Great working with you guys ”
October 2, 2020
“I can’t give enough praise to this group. They were fantastic to deal with (Christina) and got it all done in record time. Can’t thank you all enough!!”
November 9, 2020
“I was in the market for a new boat, I chose this group off a list of financing vendors offered by the dealership.
This group will work with you, are very transparent and straight to the point, no time wasted.
Rates are fair, they work hard in a very timely manner to complete your transaction.
I recommend highly.
Monte.”
December 3, 2020
“Joe and Richard as well as the entire Sparta Finance team are the nicest of people. Very kind, polite and they go out of their way to find their customers the best deals. We've done some work together and the feedback about Sparta is always positive. Keep up the great work because the people you've helped really appreciate it! ”
December 3, 2020
“Everyone was very helpful and quick with the process of getting our new vehicle. ”
December 8, 2020
“Very helpful and very polite Thank you for all the help and helping me finding the skidoo to my liking! Thanks again”
December 14, 2020
“We were abandoning our dream of a new trailer home till Sparta Finance was recommended. Our credit story was not a barrier, Brock not only worked with both of us to improve our credit scores, but then went to bat with the banks and found us financing at a reasonable rate. We now own our trailer and are holding our heads high. Thank you Sparta, and our warriors Brock, Lauren.”
December 16, 2020
“i;m very happy with the company, i'm glad i found out about them on facebook, highly recommended.”
January 15, 2021
“Great working team they helped get a me a bigger fourwheeler ”
January 20, 2021
“You’ve done it again Sparta! Cutting all that stood in the way to get us into our 2020 Durango!! I love it!! ”
January 21, 2021
“From my first chat with Brock, it has been a very good experience. Always help to make sure I got what I wanted and made it happen for me and wife to get to enjoy my new sled. Thanks to all ”
February 1, 2021
“I’ve used Sparta Financal twice now, once for a brand new boat and again 10 months after for a newer truck to pull it, thanks again Sparta for your speed, simplicity and quality of work you’d have done for me!!!”
May 19, 2021
“A special thank you to Christina and the Sparta team for making my financing easy for me . I know it was a bit challenging . I wouldn't hesitate to recommend Sparta to anyone looking for financing. Sparta keeps their word unlike so many other finance companies. Once again a huge thank you!”
June 30, 2021
“Thanks Lauren and christina for all your help and explanation and everything else yous did to get me what I need ⭐️ ⭐️⭐️⭐️⭐️”
July 1, 2021
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July 8, 2021
“I came across Sparta Finance on this website and after a quick read, they were the obvious choice. From start to finish, the team at Sparta answered all my questions with clarity and transparency. They made it easy to get behind the wheel of my 2014 Audi A5, even with little credit history. It was a tricky situation as I was trying to get financing for a private sale but thanks to the Spartans, I am now happily behind the wheel. Special shout-out to Brock and Joe who did a lot of the heavy lifting with clearing everything up for me. Thanks for going to war for me Sparta!”
July 9, 2021
“I had a great experience with Sparta Finance, you can expect personal and speedy answers to any questions or concerns you may have. Their customer service is unmatched. They went above and beyond for me, I dont have anything negative to say. Thanks for all your help! ( Richard and Lauren especially) ”
July 30, 2021
“This group with Sparta finance is amazing. They went far and beyond to get me exactly what I needed and most importantly a few issue arose when I received my boat, but they worked with me and paid for the repairs to make it my dream boat. Monthly payments are affordable thanks to Joe caring enough to make sure it was within budget and making it happen. Thank you guys so much. I could not ask for a better more trusting company in today’s world.”
September 7, 2021
“Good customer service”
September 12, 2021
“Sparta finance helped me and my new business get a trailer to get me started. They helped with everything and got us a new trailer. They were fast and got the deal done and we are very happy with the results. We would recommend anyone to these great people!! Thank you Sparta finance for helping our business get a great start!!”
October 2, 2021
“Sparta Finance helped me & my husband get our dream rig! They fought hard for us and from the time that they approved us for financing and when we Received our 2019 open range 323 RLS was 6 days!!!! 6 day!!! There was no big long wait like some other companies…The rig was in Alberta and we are in BC! Communication through email text & calls with Sparta was amazing we asked a question they answered, we needed help they answered! We are so very happy with their service we will definitely be using them again in the future 100%”
October 20, 2021
“Made the purchase of my vechicle super easy and exciting! 10/10 ! ”
October 20, 2021
“Bought a used Lund boat. Process was quite simple and when issues came up they dealt with them quickly and fairly. Thanks!”
October 20, 2021
“Sparta Finance helped me & my husband get our dream rig! They fought hard for us and from the time that they approved us for financing and when we Received our 2019 open range 323 RLS was 6 days!!!! 6 day!!! There was no big long wait like some other companies…The rig was in Alberta and we are in BC! Communication through email text & calls with Sparta was amazing we asked a question they answered, we needed help they answered! We are so very happy with their service we will definitely be using them again in the future 100%”
October 20, 2021
“I’d like to thank Sparta on assisting me on my journey to getting into a new trailer. They were easy to get along with and the process was fast and easy. I’d definitely plan on bringing back my business in the near future. Thanks Sparta”
October 20, 2021
“Sparta was a great help in helping me find the financing I needed to purchase the boat I wanted and could afford. ”
October 20, 2021
“Richard sold my boat really fast no problems at all. ”
October 21, 2021
“Very friendly staff load process went very smooth and quick ”
October 31, 2021
“Amazing group of guys to deal with. Quick & honest answers. Extremely fair value on purchasing or selling used vehicles. Very happy with dealing with Sparta”
November 1, 2021
“Sparta went above and beyond to make sure we got are awsome golf cart for are camping trailer can’t be more happier again thank you Sparta and the hole team ”
November 17, 2021
“Sold a couple Sled Units to Sparta Finance. They were awesome to work with and made the transaction very easy. There team was very professional and their communication was great! Thank you again.”
December 3, 2021
“Very helpful got me the trailer when I needed one”
December 10, 2021
“Very easy to communicate with, easy to get ahold of. They worked around my busy schedule to help me get what I wanted.”
January 7, 2022
“I bought a snowmachine last season, i had problem this season only noticed it awhile back, i contacted sparta about it, close to a year later having sled, and they still helped me, they didn't have to, but they did proving how absolutely amazing they are with the customer. Happy customer, thank you sparta team, your great!! ”
January 18, 2022
“”
January 27, 2022
“The professionalism and dedication to there customers is over par, excellent experience would recommend to all. Thanks SPARTA and crew….. ”
February 3, 2022
“Thank you so much sparta you guys help me to get my sled im so happy with and im so grateful application was easy and fast ”
February 3, 2022
“If you’re looking for an ATV or any Motorsport, you wanna contact Vas or the sales team at Sparta finance !!! After being turned down by so many different companies Sparta took me under their wing and made my outdoor dreams happen. See VAS or sales team they will take care of you and have you on your new set of wheels in no time :) Thank you so much Vas I can’t wait what the outdoors has in store for me and my new 2017 Polaris Sportsman 850 ”
February 4, 2022
“Very happy”
February 8, 2022
“Jack was able to help me get into exactly what I was after with excellent communication and haste when it came to getting a new toy! Both Sparta and Jack have earned my business for good! Thanks again ”
February 8, 2022
“Loved dealing with Sparta. Spoke with Christina , Tresea, and John. They were amazing and so friendly. ”
February 10, 2022
“Jack is such a sick dude. He is always there for my financing needs and always puts his clients first. He’s always available to take my calls when I have a question or when I want to make a new purchase. I’ll always go to Jack at Sparta Finance for all my financing needs. ”
April 4, 2022
“I have nothing but great things to say about the Sparta Team! They were all so helpful and worked extremely fast to find me what I was looking for! I would highly recommend their services to everyone! They were apple to find me my diamond in the rough and I will be forever grateful!”
April 4, 2022
“Last fall I bought a 42 foot 5th wheel with the help of Sparta Finance. Christine was great to work with getting through all the red tape and dealing with an eccentric seller. It was so easy I contacted them again last week to purchase a boat. Again Christine was there 100 percent to make it easy. I now have a 19.5 foot bowrider inboard to enjoy some fun with. I would recommend Sparta to anyone. You can trust them as they are open and honest all the way.”
April 4, 2022
“Got me the bike I wanted and were great to deal with would definitely recommend. Thanks you sparta ”
April 4, 2022
“I had an amazing experience with Sparta finance, Jack has helped me get the sled I was looking for he made it super easy and fast also responds quickly 10/10 recommend to anyone!! ”
April 4, 2022
“Thank you sparta for getting me my new sled. You made the process quick and simple . Big thanks to Christina for all her time and help. Amazing team to deal with.
Sincerely ”
April 4, 2022
“They do a great job taking care of there clients, I appreciate what they do! Thanks Sparta ”
April 4, 2022
“Jack is such a sick dude. He is always there for my financing needs and always puts his clients first. He’s always available to take my calls when I have a question or when I want to make a new purchase. I’ll always go to Jack at Sparta Finance for all my financing needs. ”
April 27, 2022
“It blew me away how fast Sparta was able to find the bike I wanted in under 24 hours. Really appreciated the way they worked to get the best price for my budget to!”
April 28, 2022
“Sparta Finance makes your wants turn into haves regardless of your credit situation thank you Sparta Finance you guys rock will continue too deal with you and only you for motor sports toys ”
April 28, 2022
“jack was simply amazing!!! the whole process took less than a week!! these guys don't mess around!!! ”
April 29, 2022
“Jack and his team were very quick and great to deal with, definitely going back next time I need something ”
May 11, 2022
“They went above and beyond spent months working with me to help me sell my vehicle. Never gave up always very responsive and communicative. Amazing service highly recommended. ”
May 18, 2022
“It's Jack from Sparta finance fantastic to deal with put the fastest deal together I have ever seen thank you”
July 10, 2022
“From Application to Delivery everything was smooth and organized ”
July 28, 2022
“The team at Sparta finance was so easy to work with. They genuinely had my best interest at heart through the entire process of purchasing my new boat. ”
July 28, 2022
“Highly recommend getting ahold of Rakib for a loan, great guy and excellent customer services !!”
July 28, 2022
“I am very happy to highly recommend this company to everyone. Rakib is very professional, giving a high level of service to his clients! Definitely 5 stars!”
August 7, 2022
“The team at Sparta Finance found the 6x6 ATV I was looking for.
They offer quick efficient customer service ,all of this done from your smart phone.
Which makes it really convenient.
Thank-you for the great customer service.
”
August 10, 2022
“Just a thanks to the Sparta crew for finding me my machine and delivering it to my door.. the process is easy and they were there through the whole process to guide or answer questions...
I would buy again with this business..
Thank you Sparta”
August 15, 2022
“Had my 4 wheeler posted on kijiji and Sparta called me that they wanted to buy it, was a little on edge about it but they gave me what I was asking for it plus a little more for delivery. Very nice people and everything went really quick. I'll recommend them anytime thanks Sparta.”
September 26, 2022
“I would like to say a very special “Thank you” to Brenden and Jack with their help I was able to purchase my brand new quad! Brenden was super helpful and walked me through the process and seemed just about as excited as me lol and Jack helped get me a great deal! I appreciate the texts and calls to make sure I was aware of everything that was going on and what to expect. I would recommend this firm to everyone very personable and excellent customer service!! ”
October 6, 2022
“Just picked up my 2008 Harley Davidson ultra classic this morning. Was different buying without a test drive and on pictures and specs. Sparta finance was great and I highly recommend them you get exactly as you see. Thanks Sparta”
October 21, 2022
“Sparta was awesome to deal with! They were professional fast and super helpful! Can’t wait to buy my next toy with them!”
October 21, 2022
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October 26, 2022
“The fastest and most friendly experience ever!”
October 28, 2022
“Highly recommend theese guys easy peasy procedure. Made a dream come true and give you the help you need when the banks say no. Great team to work with and delivery of the machine to my door was a huge help.”
February 5, 2023
“Thanks guys for making this quick , simple and fast. My daughter loves her Yamaha Raptor 90 and I couldn't be happier with it so far . Thanks so much for working with me and my credit and getting her Into something. ”
April 21, 2023
“We just financed our dream ride from Sparta. We worked with Max for the whole process and couldn’t be happier. He went above and beyond to get us into the machine we wanted AND got us a trailer to haul it. He pulled some strings for sure for us !!! Couldn’t be happier !! ”
April 24, 2023
“I want to thank Maxx and the team at Sparta for doing an amazing job getting me the financing I needed to refurbish my classic car! ”
May 11, 2023
“Working with the Sparta team has been been an absolute pleasure. The staff was great, excellent customer service, very welcoming and informative. They kept me updated throughout the entire process. I would highly recommend this business to others and will definitely shop at Sparta Finance again in the future. ”
June 12, 2023
“For first time financing something max made it so quick and simple for me to get riding. Thank you. ”
August 10, 2023
“Very nice easy to work with ”
August 29, 2023
“I never expected the great service and team from Sparta finance. They helped us with everything we needed to get a sxs. They are a great team of experts in their field. Any problem that came up was taken care of . Joe S . was the real deal when it came to helping fix a problem that arose . He went far and beyond to get things right . As for the rest of the team they worked hard for me to get where I am with my new to me sxs . ”
September 7, 2023
“I would definitely recommend going through Sparta they did an awesome job getting me on a 2024 yz 250 ask for Jared he will get you sorted ”
November 20, 2024
“
Honestly it was a pleasure dealing with the folks at Sparta. They were always ready to help out, were incredibly friendly, and when an issue did come up in which an accessory went missing they immediately reimbursed me not just for the cost of the the item but the tax and shipping as well for that matter. They also worked to find me the item I wanted in my price range even though I’ll be the first to admit the request bordered on unreasonable. I especially enjoyed the more casual manner of speaking a few of the folks I dealt with had, I felt more like I was excited to buy a product with an exceptionally knowledgable friend as opposed to the more stuffy image that often comes to mind when people think of finance companies.
Personally I’d have a hard time not recommending this company to just about anyone.
I won’t say they are NOT salesmen and women at the end of the day, quickly handling my issue and going above and beyond DID only cost them a few hundred bucks to make me feel like they “did me a favour” which is a good tactic for making someone feel like they owe the company but I want to make it clear that my rating is based on they level of diligence and customer service on offer and not simply me feeling like they are owed now, they genuinely were nice enough and worked hard enough to find me a machine that fit my specifications the entire time that I can’t imagine giving this group less than 5 stars.
I should also point out I’ve had a decent amount of time to think about this review so there is no hype clouding my view, they just made borrowing a large sum of money enjoyable if you can believe it.
Whether you feel like you have only a general idea of what you’re looking for and want or you have exact specification they very much will work hard to find you what you want. In fact my original call was not a hopeful one but even though I wasn’t making it easy they didn’t simply tell me it was impossible and try to sell me on something else, they discussed alternatives and then went out and found the *perfect* machine for me. Give these folks some business, they really do deserve it in my view.
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