Fast-Track Approvals
Fuel Your Adventure.
Finance Your Ride.
Whether you're tearing up the trails, hitting the open road, or launching off a wake, get affordable financing for motorcycles, ATVs, UTVs, jet skis, and snowmobiles.
New & Used Vehicles
Finance straight off the showroom floor or buy from a private seller. We secure loans for powersports equipment of almost any age and make.
Flexible Terms up to 84 Months
Keep your monthly payments low so adventure fits your budget. Choose repayment terms from 12 months up to 7 years (on qualifying vehicles).
Challenged Credit Options
Because powersport loans are often secured by the vehicle itself, we can help secure approvals for riders with less-than-perfect credit scores.
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
Monthly Payment Estimator
Don't get blindsided at the dealership. Estimate your monthly loan payment before you buy so you know exactly how much toy you can afford.
$
Total cost before taxes.
$
Putting 10-20% down helps secure better rates.
%
Projected Loan Costs
Estimated Monthly Payment
$260
Fixed Monthly Cost
Total Loan Amount
$13,000
Amount Financed
Estimated Total Interest
$2,623
Cost of Borrowing
Financing Your Ride: Know Your Options
Understand the difference between securing the toy and buying it with cash.
| Feature | Secured Powersport Loan | Unsecured Personal Loan | Dealer Financing |
|---|---|---|---|
| Collateral | The vehicle itself acts as collateral. | None. Based solely on your signature. | The vehicle itself. |
| Interest Rates | Typically lower (due to collateral). | Higher (higher risk to lender). | Varies. Promo rates often require excellent credit. |
| Credit Requirements | Lenient options available for bad credit. | Usually requires Good to Excellent credit. | Strict requirements for the best promotional rates. |
| Private Seller Purchases? | Yes. Can buy from dealerships or private parties. | Yes. Use funds anywhere. | No. Must buy from that specific dealership lot. |
Powersports Financing FAQs
While a higher credit score (700+) will secure you the lowest interest rates and terms, many specialized powersport lenders approve loans for scores in the low 600s, and sometimes even the 500s. Because the loan is usually secured by the vehicle itself, lenders are more willing to take a chance on borrowers with challenged credit histories, especially if you can provide a solid down payment.
Yes! In many cases, lenders allow you to finance up to 110% or 115% of the vehicle's value. This means you can often roll the cost of essential riding gear, helmets, extended warranties, and aftermarket parts directly into your monthly payment rather than paying out of pocket upfront.
A Secured Loan uses the motorcycle or ATV as collateral. If you stop making payments, the lender can repossess the vehicle. Because of this security, these loans typically have much lower interest rates. An Unsecured Personal Loan is based solely on your signature and creditworthiness; the vehicle cannot be repossessed, but you will pay significantly higher interest rates to compensate for the lender's risk.