Financing
Can You Finance a Used ATV or Snowmobile in Quebec?
By the Groupe Contant Team · Published August 27, 2026
Quick Answer
Can you finance a used ATV or snowmobile in Quebec?
Yes, Groupe Contant and most financial institutions offer financing on used vehicles. The amounts financed are generally lower, which limits access to the best rates; manufacturer promotional rates don't apply to used vehicles, and the maximum term can be shorter depending on the vehicle's age. Financing remains accessible for most credit profiles regardless, including with 2nd and 3rd chance solutions.
Financing a used vehicle works largely the same way as financing a new one, with a few important differences to know before you shop.
This guide explains what changes between new and used financing, and what to actually expect.
What's Different From New Vehicle Financing
- Lower financed amounts, shorter terms — manufacturer promotional rates don't apply to used vehicles, and access to the best rates is more limited with a smaller amount financed.
- Sometimes a shorter maximum term — an older used vehicle can be limited to a shorter financing term than a new one.
- Value assessment — the lender bases the financed amount on the used vehicle's current market value, not just the asking price.
- Sometimes a higher down payment — some lenders ask for a proportionally larger down payment for an older vehicle.
What Stays the Same
- Credit options — 1st, 2nd, and 3rd chance credit solutions apply to used vehicles just as much as new ones.
- Application process — the same financing application, whether through Groupe Contant or a bank.
- Insurance and registration — the same legal requirements apply, regardless of whether the vehicle is new or used.
Frequently Asked Questions
Yes, Groupe Contant and most financial institutions offer financing on used vehicles. The amounts financed are generally lower, which limits access to the best rates; manufacturer promotional rates don't apply to used vehicles, and the maximum term can be shorter depending on the vehicle's age. Financing remains accessible for most credit profiles regardless, including with 2nd and 3rd chance solutions.
Generally a bit higher, mostly because manufacturer promotional rates don't apply — see our 2026 financing rates guide for indicative ranges.
It varies by lender — some limit the financing term or decline vehicles beyond a certain age or mileage. Talk to your Groupe Contant advisor directly about your specific situation.
Yes — see our 2nd and 3rd chance financing guide, which applies to a used purchase just as much as a new one.
Yes, our used vehicles are inspected by our technicians — check our used inventory to see what's currently available.
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.