Financing
How to Finance an ATV or Snowmobile With Bad Credit
By the Groupe Contant Team · Published July 8, 2026 · Updated July 9, 2026
Quick Answer
How do you finance an ATV or snowmobile with bad credit?
Groupe Contant offers 1st, 2nd, and 3rd chance credit financing, even after a bankruptcy or consumer proposal. A larger down payment, a co-signer, or a slightly higher rate may be requested depending on your file, but financing remains accessible for most credit profiles.
A difficult credit history shouldn't completely close the door on buying an ATV or snowmobile. Several dealers, including Groupe Contant, have built programs specifically for higher-risk borrowers.
This guide explains how this type of financing works, what can improve your approval odds, and what to actually expect.
How 2nd and 3rd Chance Financing Works
- 1st chance — solid credit, standard or promotional rate, the most favourable terms.
- 2nd chance — a few missed payments or limited credit history, financing still accessible with adjusted terms.
- 3rd chance — bankruptcy, consumer proposal, or seriously damaged credit; financing remains possible, often with a larger down payment or a co-signer.
What Can Improve Your Approval Odds
- Down payment — even a modest one reduces the financed amount and reassures the lender.
- Co-signer — a relative with good credit can tip the decision in your favour.
- Proof of stable income — recent steady employment or income strengthens your file.
- Recent stable credit history — even after a bankruptcy, a few months of regular payments works in your favour.
Frequently Asked Questions
Groupe Contant offers 1st, 2nd, and 3rd chance credit financing, even after a bankruptcy or consumer proposal. A larger down payment, a co-signer, or a slightly higher rate may be requested depending on your file, but financing remains accessible for most credit profiles.
Groupe Contant — Your Quebec Dealer
Groupe Contant offers financing solutions for every credit profile — whether you're buying new or used. Submit your application online in a few minutes.