Fast-Track Approvals
Tear Up the Trails.
Not Your Savings.
Whether you're eyeing a sport quad, a utility four-wheeler, or a fully-loaded Side-by-Side (UTV), secure fast, flexible financing so you can hit the dirt this weekend.
New, Used & Private Sellers
Buy straight off the showroom floor or snag a great deal from a private party on Facebook Marketplace or Craigslist.
Finance the Gear & Upgrades
Don't pay out of pocket for add-ons. Roll the cost of winches, snow plows, upgraded tires, and even the trailer into your loan.
Options for All Credit Types
Because an ATV loan is secured by the vehicle itself, lenders are highly flexible. We secure approvals for riders across the entire credit spectrum.
Check Your Rates
Compare custom rate quotes from top powersports lenders. Checking your options will NOT impact your credit score.
Bank-level secure AES-256 encryption.
Interactive Tool
ATV Payment Estimator
Whether you want a $5,000 base model or a $25,000 decked-out UTV, estimate your monthly payment so you know exactly what fits your budget.
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Include taxes, dealer fees, and accessories.
$
Putting 10-20% down helps secure better rates.
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Projected Loan Costs
Estimated Monthly Payment
$259
Fixed Monthly Cost
Total Loan Amount
$10,500
Amount Financed
Estimated Total Interest
$1,932
Cost of Borrowing
Financing Your Ride: Know Your Options
Understand the difference between securing the ATV directly and relying on unsecured cash.
| Feature | Secured ATV Loan | Personal Loan | Dealer Financing |
|---|---|---|---|
| Collateral | The ATV itself acts as collateral. | None. Unsecured. | The ATV itself. |
| Credit Requirements | Very lenient. Options for bad credit. | Requires Good to Excellent credit. | Strict for 0% promos; otherwise lenient. |
| Private Seller Purchases? | Yes. Buy from anywhere. | Yes. | No. Must buy from dealer inventory. |
| Roll in Accessories? | Yes. Finance trailers, plows, helmets. | Yes. | Sometimes, depends on dealer limits. |
ATV Financing FAQs
While a higher credit score (700+) secures the lowest interest rates, powersports lenders are highly flexible. Because the ATV serves as collateral for the loan, many specialized lenders approve loans for scores in the low 600s, and sometimes even the upper 500s—especially if you have a decent down payment.
Yes! Unlike dealership financing which restricts you to their lot, independent ATV loans allow you to buy from private parties (like off Craigslist or Facebook Marketplace) or independent shops. Lenders will verify the value of the used ATV via NADA or Kelley Blue Book before cutting the check.
ATV and UTV loans typically range from 24 to 60 months (2 to 5 years). For very expensive Side-by-Sides ($25,000+), some lenders will extend terms out to 72 or even 84 months to keep your monthly payments low, similar to an auto loan.