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as low as
The rate shown is for a loan $10,000-$24,999, 90% Loan-to-Value (LTV), and a term of up to 72 months with excellent credit. Rate effective as of 04/05/2024. Other terms and rates are available based on the creditworthiness amount borrowed and LTV. The amount financed and terms depend on credit qualifications. A down payment may be required. For all motorcycle/ATV loans, terms range from 24-84 months. The maximum age of collateral is seven years old. Amount financed and terms depend on income and credit qualifications. A down payment may be required. Warranties are available with motorcycle loans. Membership with Arkansas Federal Credit Union is required.

Adventure awaits!

Have some fun, get off-road, and explore! We make your fun affordable with fixed rates loans for ATVs and UTVs.

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100% Financing

Up to 100% financing, including taxes and other applicable fees.With approved credit.

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Affordable Payments

Fixed rates and convenient terms for ATVs and UTVs that work for you.1

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$0 Application Fee

There’s no cost to apply, and the application is easy. Get started today!

Frequently Asked Questions

What is an ATV or UTV loan?

An ATV or UTV loan is a loan to purchase an all-terrain vehicle, utility task vehicle, or four-wheeler. Similar to an auto loan, with ATV/UTV financing, you can make a monthly payment for a set term or length of time and enjoy your new vehicle right away.

Is getting an ATV or UTV loan hard?

We don’t think so. But keep in mind that not all ATV/UTV loans are the same. They all vary based on a few factors, such as the loan amount, your income, your credit score, downpayment, and so on.

What are the requirements for an ATV or UTV loan?

Like with most loans, you’ll need to provide proof of income and documentation for the price of the vehicle. The lender will also check your credit score and DTI (debt-to-income ratio), among other items, to see if you qualify.

How long are ATV/UTV loans?

Repayment terms vary and are based on several factors, such as the loan amount. Generally, they go from 2 – 7 years. Keep in mind that the shorter the repayment term, you don’t pay as much interest, but payments are typically higher. In contrast, a longer term, or payback length, means your payments are typically lower, but you’ll pay more interest over the course of the loan.

How do I get an ATV/UTV loan?

To get an ATV/UTV loan, you must apply. If you go with Arkansas Federal, you can apply online in minutes. There’s no cost to apply and no obligation.

Why choose Arkansas Federal?

We understand that people have different needs and personal tastes. You may want a four-wheeler just for fun, while someone else wants an UTV for farm work. Regardless of the type of vehicle you want, when you finance with us, you’ll benefit from the reliability of a fixed rate and fixed monthly payments.

Protect Your ATV & UTV

Staying protected in the great outdoors is more than just wearing a helmet.
Make sure you’re fully covered before you hit the open road.

Get Started

Apply online in under 20 minutes. There’s no cost to apply and the application process is easy. Have questions? Call us at 800.456.3000 or visit your local branch.

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