Sparta Finance

Avg. Rating: 5.0 (89 reviews)
We will go to WAR for YOU!
We specialize in Auto, Recreational, Leisure, Marine, Vehicle Repair and Accessory/Upgrade Financing with full delivery options covering all of Canada.
We specialize in all financial & credit situations and we have over 20+ banks to choose from. We are the best at what we do by putting your needs as first priority and profits last. We are proud partners with Sun Life Financial who provides financial services, & RCM AUTO Group (Kawasaki, Yamaha, & CF MOTTO). 
  • TIME IN BUSINESS: Since 2017
  • # OF CUSTOMERS: Over 700
  • TOTAL FUNDED: Over 21 Million
  • LOANS OFFERED: Auto Loans, Leisure Loans, Boat and Marine Loans, Motorsport Financing
Visit Site and Apply

1-866-929-1924 1406 Blanshard Street, Victoria B.C.
Call Center: Mon-Fri: 9AM-6PM MDT Sat: 10AM-5PM MDT Sun: Closed
Support Offered:
  • Phone Support
  • Email Support
  • Social Media
  • Dealer Network
Availability: All of Canada

Products Offered

Below are all the products offered by this company.

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


Frequently Asked Questions About Sparta Finance

What is Sparta Finance?

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.

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.

What Products and Services Does Sparta Finance Offer?

Sparta Finance offers financial solutions for auto, leisure, boat and marine, and motorsport financing.

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 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%.

What Is the Term Length for Sparta Finance Loans?

Sparta Finance offers loans with a term length between 3 and 240 months.

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.

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 Fast Can I Get a Loan from Sparta Finance?

You can get a loan from Sparta Finance (if approved) within a few days.

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.

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.

Which Provinces Is Sparta Finance Available in?

Sparta Finance operates all over Canada.

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.

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 (89 reviews)
Got a boat

The team at Sparta really cares for their customers. They helped me get a boat with pretty low credit. Thanks guys.


Joe and his team a Sparta are super nice and helped us finance a few ATV's. They really go to war for you.

Helped us out.

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)

Great people...

Great people

lorna cantada
Great all around

Very helpful. Informative. Definitely will come back for future financing needs.

Pamela Black
Bad ass

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!

Sparta Finance

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

Robbie Kreklywich

sparta has been the best type of financing I've come across vary friendly an great to work with.

Josh duda
Highly recommended

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!

Rhea Libarnes
Thank you!

Thanks so much Sparta!! Such a great experience I absolutely enjoy everything and grateful for everything highly recommend!

Megan Bernard
Highly recommend

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!

Meagan McOnie
The best car experience I've ever had!

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!!

Awesome people!

Great people! Great service! Sparta rocks! Financed me in no time!

Bi laredo
Great Service

Fast, easy, and great to work with. Helpful and really look for anything you want. Great working with you guys

Cindy Bernard

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!!

Awesome financial services

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.


Nicest People

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!

Amazing service!

Everyone was very helpful and quick with the process of getting our new vehicle.

Corey orr

Very helpful and very polite Thank you for all the help and helping me finding the skidoo to my liking! Thanks again

Ralph Robinson
Sparta went to war for us!!! And won.

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.

Laura Hartley

i;m very happy with the company, i'm glad i found out about them on facebook, highly recommended.

mary caribou

Great working team they helped get a me a bigger fourwheeler

Diamond bernard
2020 Durango

You’ve done it again Sparta! Cutting all that stood in the way to get us into our 2020 Durango!! I love it!!

Veronica, Terry Okemow
Great adventure

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

Richard Drouin
Best financing company

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!!!

Brandon thurier
Thank you

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!

People that take the time to help!

Thanks Lauren and christina for all your help and explanation and everything else yous did to get me what I need ⭐️ ⭐️⭐️⭐️⭐️

Amazing team

Great experience

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!

Gage Marshall
Amazing customer service

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)

Can’t get any more trusting or better company

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.

Customer service

Good customer service

Trailer finance

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!!

Leonard Penner

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%

Crystalina Lamarr Bailey
Awsome service !

Made the purchase of my vechicle super easy and exciting! 10/10 !

John Clarke
Boat Purchase

Bought a used Lund boat. Process was quite simple and when issues came up they dealt with them quickly and fairly. Thanks!

Rick Jorek

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%

Crystalina Lamarr Bailey
2021 sportsmen classic

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

Boat loan

Sparta was a great help in helping me find the financing I needed to purchase the boat I wanted and could afford.

Brock Strachan
Quick sale

Richard sold my boat really fast no problems at all.

Matt Redford
Loan application

Very friendly staff load process went very smooth and quick

Chuck Pelletier
Sold my sled

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

Mark Rehbein
Amazing company

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

Cory Smith
Sale of Sled Units

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.

Trailer Review

Very helpful got me the trailer when I needed one

AWESOME service.

Very easy to communicate with, easy to get ahold of. They worked around my busy schedule to help me get what I wanted.

Ian Brewster
Customer service

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!!

Lawrence Tabobondung

Top shelf

The professionalism and dedication to there customers is over par, excellent experience would recommend to all. Thanks SPARTA and crew…..

My sled

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

Clayton cheezo
See VAS or sales team at Sparta and make you dreams happen

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

Andrew Nicholson
Nice to work with

Very happy

tim v tyrrell
Thank you Jack!

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


Loved dealing with Sparta. Spoke with Christina , Tresea, and John. They were amazing and so friendly.

Jim Lombardo
Sparta Has the best employees!

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.

Ashlyn Thomson
Fast, easy with excellent customer service!

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!

Nicole S
Lloyd's Boat & 5th Wheel purchases

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.

Lloyd Pennell
Great service

Got me the bike I wanted and were great to deal with would definitely recommend. Thanks you sparta

Clayton baker
Highly recommend!!

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!!

Trista morris
New sled

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.


Bryan Jordan
Appreciate the help Sparta !

They do a great job taking care of there clients, I appreciate what they do! Thanks Sparta

Sparta Has the best employees!

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.

Ashlyn Thomson
Best Experience Ever!!

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!

Damon Read
Sparta Finance is God

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

amazing simply outstanding!!!

jack was simply amazing!!! the whole process took less than a week!! these guys don't mess around!!!

mark johnston

Jack and his team were very quick and great to deal with, definitely going back next time I need something

Kyle Gawryluk

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.

Judy Aldayeh

It's Jack from Sparta finance fantastic to deal with put the fastest deal together I have ever seen thank you


From Application to Delivery everything was smooth and organized

Darrin Tyrrell
Thank you for the new boat!!

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.

Jessica Childs
Great service from Rakib

Highly recommend getting ahold of Rakib for a loan, great guy and excellent customer services !!

5 stars!

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!

Kelly Gnyp
SPARTA finance

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.

John Wilkinson
5 out 5 to Sparta

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

Kurt Henderson
Good service

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.

Excellent customer service

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!!

Harley Davidson 2008 ultra classic received today

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

Mark Brown
New sled

Sparta was awesome to deal with! They were professional fast and super helpful! Can’t wait to buy my next toy with them!

Chad Annis
Easy peasy

Fast response

The fastest and most friendly experience ever!

The a team

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.

Yamaha 90 for my daughter

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.

Jasmyn Romao
Excellent experience 10/10

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 !!

Selena Douthwright
Only Sparta could have done this

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!

Bill Nikolaus
Highly recommended

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.

Arlene GooGoo
It was so easy

For first time financing something max made it so quick and simple for me to get riding. Thank you.

Bailey macdonald
Very friendly

Very nice easy to work with

Hayden Mcgregor
Sparta helped me get a side by side

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 .

Charles Horseman
I recommend Sparta

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


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