Sparta Finance Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov
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Four questions checked against Sparta Finance's published criteria, per product. No application started.
Sparta says it plainly: a judgement free zone, any credit situation considered, with the paperwork scaling to match the file.
90 reviews from borrowers who used Sparta Finance. Reviews are moderated; lenders cannot remove them.
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.
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)
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!
Great people
Very helpful. Informative. Definitely will come back for future financing needs.
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
Thanks so much Sparta!! Such a great experience I absolutely enjoy everything and grateful for everything highly recommend!
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!
sparta has been the best type of financing I've come across vary friendly an great to work with.
Showing 10 of 90 reviews.
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.
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.
Sparta Finance offers financial solutions for auto, leisure, boat and marine, and motorsport financing.
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.
Interest rates on loans from Sparta Finance range from as low as 3.9% and as high as 34.9%.
Sparta Finance offers loans with a term length between 3 and 240 months.
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.
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.
You can get a loan from Sparta Finance (if approved) within a few days.
Sparta Finance will send the funds directly to the equipment or auto provider that you will be buying from.
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.
Sparta Finance operates all over Canada.
Sparta Finance offers numerous ways to contact them, including phone and email support, social media, and through their dealer network.
Sparta Finance call centre hours are Monday to Friday from 9AM to 6PM MDT and Saturday from 10AM to 5PM MDT.
