Spring Powersports logoSpring Powersports Review 2026

★★★★★ 5.0 · 3 borrower reviews
Spring Powersports finances the machines people ride: $3,000 to $75,000 at 8.99% to 29.9% APR over 12 to 120 months, funded within 48 hours, across every province and territory. The published tests are a credit score of 550 and net monthly income of $2,000, verified through recent pay stubs, with government ID completing the file.

Apply Now Check if I Qualify ↓

Rates checked August 24, 2026
In business
Since 2014
Customers served
250,000+
Total funded
250M+
Provinces
13 of 13

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan

Best for

Financing the toys on published, numeric tests: a 550 score and $2,000 net a month

Not for

Files below either published number, which the criteria state without exceptions

What we like

  • $3,000 to $75,000 over terms to 120 months
  • 8.99% at the strong end of the range
  • Coast to coast service

Where it could improve

  • 29.9% at the weak end
  • Both gates are hard numbers rather than judgment calls

Products offered

Each product is priced separately. Compare them below.

Spring Powersports secured personal loan
Secured · All of Canada
Apply Now
Amount
$3,000 - $75,000
Rate (APR)
8.99 - 29.9% APR
Terms
12 - 120 months
Funding
2 days
Min income
$2,000/mo
Good to know: Minimum credit score 550.

See if you qualify

Four questions checked against Spring Powersports's published criteria, per product. No application started.

Answer the questions to check Spring Powersports's published criteria
Educational check against published criteria. Not an approval or offer.

Eligibility and documents

Spring Powersports finances the machines people ride, and its published credit test is a single number: 550.

Who qualifies

Minimum credit score
550
Employment
Verified through recent pay stubs
Identification
Government issued ID
Where it lends
All provinces and territories

What you need to apply

  • Government issued ID
  • Recent pay stubs

Contact Spring Powersports

Get in touch

Support and hours

  • Monday to Friday 8am-4:30 PST
  • ChannelsCall Centre, Email

Borrower reviews

3 reviews from borrowers who used Spring Powersports. Reviews are moderated; lenders cannot remove them.

★★★★★

Thank you

Got the motorcycle financed quickly via Spring Powersports. Thank you!

Jack L.
★★★★★

Spring Powersports

I needed help financing an ATV from a dealer. Spring Powersports came through and the process was quite simple. Would recommend.

David
★★★★★

Great for powersports

If you are purchasing a powersports vehicle in Canada, Spring Powersports is the way to go for financing. Even if your credit isn't great, they can help.

John

Common questions about Spring Powersports

What is a motorsport loan?

A motorsport loan is a financing option that allows you to purchase powersports vehicles such as ATVs, boats, motorcycles, and snowmobiles. These loans work similarly to auto loans, with structured repayment plans over a set term.

How does the loan application process work?

The loan application process is simple and quick. First, fill out the online application, which takes about three minutes to complete. Next, submit the required documents, including a government-issued ID, recent pay stubs, and banking information. Once your application is submitted, you will receive an instant approval decision. If approved, the funds will be sent to you the same day via e-Transfer or direct deposit. Once you receive the funds, you can start shopping for your powersports vehicle.

How much can I borrow?

Spring Powersports offers loans ranging from $3,000 to $75,000, depending on your eligibility and financial profile.

What are the interest rates?

Interest rates range from 8.99% - 29.9%, depending on your credit score and financial situation.

How fast can I get approved?

Approval is instant once you complete the online application and submit the required documents.

When will I receive my funds?

We provide same-day funding, and the loan will be sent via e-Transfer or direct deposit.

What are the repayment options?

You can choose from weekly, biweekly, or monthly payments, depending on what works best for you.

How is a motorsport loan different from an auto loan?

The main difference is that motorsport loans are specific to powersports vehicles, while auto loans are for standard cars and trucks. Motorsport loans may have slightly different interest rates and terms.

Can I get financing with bad credit?

Yes. Spring Powersports works with a range of lenders to help secure financing for applicants with all types of credit backgrounds.

Do you have a dealership or physical location?

No, Spring Powersports operates entirely online, allowing for a fast and convenient financing process.

Spring Powersports · $3,000 - $75,000 · funding in 48 hours Apply Now