ATV Loans & Financing for 2025: Ride Off into Adventure

Looking to buy an ATV, but don’t have the cash upfront? You’re not alone. Whether you’re eyeing a rugged four-wheeler for work or a sport model for weekend fun, ATVs don’t come cheap—and most buyers turn to financing.

This guide breaks down your best ATV financing options, including how loans work, how much you might need to borrow, where to find the best deals, and how to save money in the process.

How much do ATVs cost?

ATV prices currently range from about $1,000 for basic models to over $30,000 for high-performance or multi-passenger machines. Most buyers can expect to spend between $8,000 and $20,000 depending on the brand, engine size, and features.

Here are some examples of current ATV prices:

• Apollo Sniper 125cc – Around $1,000
• Arctic Cat Alterra 600 XT – Around $9,200
• Axis 750 Crew – Around $14,000
• Yamaha Grizzly EPS XT-R – Around $11,400
• Honda Pioneer 1000 – Starts near $19,000
• Polaris RZR Pro XP – Starts around $23,000
• Can-Am Maverick X3 – Starts above $22,000

As a rule, the more power, seating, and tech you want, the higher the cost. Utility ATVs are more affordable than sport or side-by-side models packed with performance features

How ATV Loans Work

ATV financing works much like financing a car or motorcycle. You borrow money from a lender and pay it back over time—typically 1 to 6 years—with interest. Most lenders offer fixed interest rates and set monthly payments, so you’ll know exactly what you owe each month.

ATVs can be financed through personal loans, credit unions, credit cards, and even directly through the dealership. If your credit score is strong, you’ll have more loan options and better rates. If your credit score is low, there are still financing paths available, but you’ll likely pay more in interest.

Best ATV Loan Options to Consider

Once you know your budget and the kind of ATV you want, it’s time to figure out how to pay for it. Below are the main ways to finance an ATV purchase—each with pros, cons, and best-use cases.

Personal Loans for ATV Financing

Personal loans are one of the most popular ways to finance an ATV. They’re unsecured, so you don’t have to put your ATV up as collateral. You borrow a set amount and repay it over a fixed period—typically between 12 and 60 months.

Advantages

• Fixed monthly payments with predictable payoff dates
• No collateral required—your ATV can’t be repossessed
• Great rates for those with a good or excellent credit score.
• Some lenders offer same-day funding

Disadvantages

• Higher rates for fair or bad credit
• Some loans include origination or application fees
• Loan limits may not cover premium ATV models

Best For

• Buyers with good credit who want predictable payments
• People who want to get pre-approved before shopping
• Anyone who doesn’t want their ATV tied to the loan as collateral

Compare ATV Loans

Before taking out an ATV loan, you should compare your options. Here are some companies you can start your search with:

Credit Union ATV Loans

Credit unions often offer lower interest rates than traditional banks and more flexibility with their loan terms. Many also partner with local ATV dealers, making financing available at the point of sale.

Advantages

• Lower interest rates thanks to nonprofit structure
• Personalized service and local lender relationships
• Some offer add-ons like extended warranties or member discounts

Disadvantages

• Must join the credit union to qualify for financing
• Promotions may be limited or seasonal
• May not partner with all ATV brands or dealerships

Best For

• Existing credit union members
• Buyers who want a local lender and potential dealership perks
• Shoppers looking for low rates and personalized support

Credit Cards for ATV Purchases

Using a credit card to buy an ATV isn’t always the best idea—but it can work if you qualify for a card with a 0% APR introductory offer and pay the balance off quickly.

Advantages

• Fast and easy application process
• Some cards offer 0% APR for up to 15–18 months
• Flexibility in monthly payment amounts

Disadvantages

• Regular APRs are typically much higher than personal loans
• You could end up paying far more in interest over time
• Minimum payments may stretch your payoff timeline

Best For

• People who qualify for a long 0% APR promo and can pay the ATV off before it ends
• Buyers using a card with a low regular APR
• Anyone needing short-term financing flexibility

Retailer Financing From ATV Dealerships

Many dealerships offer financing options backed by manufacturers or third-party lenders. Promotions like 0% APR for a few months are common, but rates tend to increase sharply once the intro period ends.

Advantages

• Convenient financing directly from the dealer
• 0% APR deals may be available for a short time
• Easy application process at the point of sale

Disadvantages

• High interest rates after the promotional period ends
• Limited to the dealer’s lender options
• Loan is usually secured—if you stop paying, the ATV can be repossessed

Best For

• Buyers who want fast, in-house financing
• People interested in brand-specific promotions
• Shoppers who are comfortable with their ATV acting as collateral

ATV Loans for Bad Credit Borrowers

If your credit score is low, you still have financing options—but expect higher interest rates and possibly a required down payment. Some lenders specialize in working with borrowers who have poor credit.

Tips for Bad Credit Buyers

• Compare personal loans that cater to fair or poor credit
• Look into dealer financing for low-credit applicants
• Consider applying with a co-signer to improve your chances
• Make a down payment to lower your monthly costs

Bad credit ATV loans can help you build your credit score over time if you make your payments on time. But be sure to read the loan terms carefully and avoid deals with extremely high APRs or hidden fees.

How to Choose the Right ATV Loan

Not every loan is a good fit for every buyer. The right ATV loan depends on your financial situation, the kind of ATV you want, and how much total cost you’re comfortable taking on. Start by getting clear on three key factors: your finances, your vehicle, and your full budget—including costs beyond the sticker price.

1. Assess Your Finances

Before applying for a loan, take a look at your current financial picture. That includes:

• Credit score – A higher credit score usually means lower interest rates and more loan options.
• Monthly budget – Figure out how much you can realistically afford to pay each month without straining your budget.
• Debt-to-income ratio – Lenders use this to assess risk. A lower ratio improves your chances of getting approved with better terms.
• Savings – Make sure you have some cash on hand for a down payment or to cover taxes, fees, and gear.

2. Pick the Right Type of ATV

The type of ATV you buy affects your financing needs. Bigger and more powerful machines cost more—and may require a larger loan or down payment. Ask yourself:

• Are you buying for work, recreation, or both?
• Do you need extra passenger space or hauling power?
• Are you buying new or used?
• Do you have a preferred brand or model?

Make sure the ATV you want fits your budget—not just the monthly payment, but the full cost once you add interest and fees.

3. Estimate Total Cost of Ownership

The sticker price is just the start. Make sure you account for all other expenses, including:

• Taxes and fees – Sales tax, registration, and documentation fees can add hundreds to the final cost.
• Insurance – ATV insurance varies by state, usage, and value of the machine.
• Maintenance – Oil changes, tire replacements, and routine service can add up.
• Gear and accessories – Helmets, storage racks, winches, and trailers may not be included in your ATV loan.

Use an ATV loan calculator to estimate your monthly payment and total interest based on different loan terms.

Tips to Save on ATV Financing

A few small decisions can lead to big savings over the life of your loan. Here are some easy ways to cut costs:

• Improve your credit score – Even a modest increase can help you qualify for a lower interest rate, which could save you hundreds over the life of the loan.
• Make a down payment – Reducing how much you borrow means you’ll pay less in interest—and it may also improve your approval odds if your credit score isn’t perfect.
• Compare multiple lenders – Don’t settle for the first offer. Rates, fees, and loan terms can vary more than you think from one lender to another.
• Shop off-season – ATV prices are usually lower in fall and winter when demand drops. Dealers may offer discounts or promotional financing to clear out inventory.
• Keep your loan term as short as possible – A longer loan might shrink your monthly payment, but it also means more interest paid in the long run. Stick with the shortest term you can comfortably afford.

Bottom Line

An ATV loan can make your off-road dreams a reality—but only if it fits your budget. Start by comparing loan types, checking your credit, and estimating your total costs. Then choose the lender that offers the best mix of rate, flexibility, and repayment terms.

The more prepared you are before you apply, the more money you can save—and the faster you’ll be riding.