ATV/UTV Loans

as low as

8.²⁹

%

APR

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.

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.

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.

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.

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.

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.

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.