The best way to finance ATV depends on what kind of ATV you’re looking to buy. If you’re looking for a used vehicle, ATV financing with no credit check isn’t going to be as good of an option because most lenders won’t work with buyers who already have bad credit scores or other financial problems. 

If this applies to you, you’ll need to find another way to pay for your purchase—like saving up money from your paycheck or selling some stuff around the house. Or you can take out an ATV loan and enjoy its benefits.

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What is an ATV Loan?

An ATV loan is financing taken out from lenders. These loans are used to purchase an all-terrain vehicle. This type of loan has become more prevalent in recent years as people have realized the benefits of ATVs.

The fact is, there are many reasons why buying an ATV makes sense. For one thing, they’re a great way to get out into nature and enjoy fresh air and sunshine. They’re also great for exercise and getting in shape. And they’re a lot of fun!

But if you want to buy an ATV, you need to be able to afford it. Fortunately, there are ATV loans available that allow you to get the money you need without having to go through the hassle of applying for credit cards or opening lines of credit at banks or other financial institutions.

How Do ATV Loans work?

The ATV financing works with no down payment, just like UTV financing. The best part about an ATV loan is that it’s available at most banks and credit unions, so you don’t have to worry about getting turned down because you have a bad credit score or no credit history. The process for getting approved for an ATV loan is similar to getting approved for any other type of loan: you fill out an application, provide proof of income and assets, and then wait for a decision from the loan provider.

Once you’ve been approved for your loan, you’ll need to take care of some other paperwork before driving away in your new ride. It includes signing a promissory note, a legal contract between you and your lender (be it a bank or a credit union, not third-party advertisers), and obtaining title insurance on the ATV if it has been repossessed from someone else.

How Much Does an ATV Cost?

ATVs are great for getting around off-road and exploring nature, but they can be pretty expensive. For example, a Honda TRX500FA model typically costs about $14,000 new. In comparison, there are ways to save extra dollars on specific models—like buying used or purchasing a cheaper model. However, most people who buy an ATV will still have to come up with thousands of dollars for their purchase.

ATV Financing Options

When you’re ready to take the plunge and make your first ATV purchase, you’ll be faced with many loan options. There are a wide variety of ATV financing options out there, so we’ve compiled a list of some of the most common ones to help you make the best choice for your needs.

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Personal Loans

Personal loans usually have lower interest rates and fees than most credit cards or other types of loans. However, they tend to have lower maximum amounts than different types of ATV financing options. For example, many personal loans have limits between $5,000-$15,000. The maximum personal loan amount is subject to change without notice. 


1. They’re super fast compared to other loan options: You can get approved and get your money in as little as a day, depending on your lender.

2. Fixed rates are usually lower than those for credit cards or other ATV loans: Personal loans tend to have shorter loan terms (generally less than five years) and more competitive rates and fees. You can calculate the monthly payment with an ATV Loan calculator.

3. You don’t need good credit: If you’ve had trouble getting a credit card in the past because of a poor credit score, personal loans might be just what you need. You won’t have to worry about having good credit or not being able to qualify for one with the lowest rates.


Some lenders who offer financing on ATV may ask you to provide collateral for your personal loan. These ATV loans are called secured loans. If you don’t manage to make the monthly payment on time, the loan provider might take your collateral and sell it at the loan price. So maybe you should seek other lenders to get financing for your off-road vehicle. 

Credit Cards

Credit cards often have low-interest rates and offer flexible loan terms, so you can make affordable monthly payments when convenient for you. In addition, you may be able to get an advance with a credit card if you need extra dollars before your next paycheck arrives.


1. You can earn points or miles on every dollar you spend.

2. You can earn cash back rewards on every amount you spend and use them for paying for other goods or services.

3. You can get special promotional offers that can help you save some dollars on travel or shopping.


Credit card debt can be challenging to pay off quickly, especially if you don’t have a plan for how much you’ll spend on your credit card and when you’ll make the monthly payment. In addition, its high-interest rates may vary based on approved credit and other factors like your creditworthiness. 

Retailer Financing

If you’d rather not pay the interest rate on top of everything else when buying an ATV, consider buying it from a local retailer who offers in-house ATV deals. Retailer financing for a new or used vehicle. This way, you’ll know exactly how much it costs upfront and won’t have any surprises later on down the road when it comes time for another monthly payment plan update.


  • You don’t have to deal with the paperwork and legal hoops that come with buying from a retailer.
  • You can get it right away through retailer financing, rather than waiting for weeks or months while they order it in.
  • You’ll get more variety because retailers typically carry many more different models than an ATV dealer does.
  • You’ll be able to take it straight out on the road and start riding as soon as you pay for it!


  • Retailers often have higher prices than online retailers because they have overhead costs that must be covered.
  • If you buy online, you can find better deals on ATV parts and accessories than if you purchased them from the retailer.
  • Retailers do not offer warranties on their products.

Powersport Loans for Bad Credit

If you’re looking to buy Powersports vehicles through a dealership, such as a boat, jet ski, or ATV, but have poor credit, chances are you’ve seen the term “powersport loan” and have wondered what exactly it means.

A powersport loan is a type of ATV financing with no credit check (through a dealership or not) that allows you to pay for your powersport. Like any other type of loan, it has two parts: the principal (which is the borrowed amount), interest rate (which is how much you pay to borrow that loan), and the origination fee, if there is one. Of course, the more you borrow, the more interest you’ll pay.

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  • You can easily qualify and get approved for a Powersports loan even if you have poor credit.
  • There’s no need to wait for days on end for your . You will know if you’re approved within minutes!
  • Even if you have been turned down for other loans in the past, there’s a good chance that lenders will still approve your application.


Because Powersports lenders know that borrowers have low credit scores, they charge higher interest rates on their loans than they would otherwise. It means that if you’re trying to pay off your loan quickly, you’ll end up paying cash in interest rate over time than if you’d gotten a lower-interest loan from another lender. However, not all applicants will qualify for such loan products. But if a borrower has excellent credit, the rates for this financing remain the same.

How to Qualify for a Powersports Loan?

Before you can even think about getting approved for a powersport loan, some basic qualifications must be met by the borrower to qualify. 

  • All applicants must be at least 18 years old or older.
  • They must also have enough income to make monthly payments on time.
  • Applicants should not have any history of bankruptcy or foreclosure within the last 10 years.
  • Potential borrowers must have a driver’s license.

Bottom Line

So there you have it for your best deal on dirt bikes or other ATV vehicles. ATV financing can be a great way to help you get the recreational vehicle you want without putting down an enormous amount. Just make sure that you’re getting a fair deal from your lender and that you know exactly what kind of price range you’re looking at.

It’s also important to remember that if there is any chance that your credit score is not high enough for credit approval, you might need to take some time to build up your score before applying for financing.

Frequently Asked Questions

What’s the best ATV loan term?

The best ATV loan term is the one that works for you. It’s essential to remember that the length of your loan term impacts your monthly payments and total interest costs (including annual percentage rate), so you can make more informed decisions about what financing to choose.

What is the average price of an ATV?

The average price of an ATV depends on the size, brand, and features. The cheapest ATVs have a price of about $1,000, but most of them have a total cost of more than $2,000. The most expensive ATVs can cost up to $50 000. Again, the price depends on the brand and the size of your ATV. 

What’s the minimum credit score to finance an ATV?

The minimum credit score for four-wheeler finance is 620. If you have a lower score, it’s not impossible to get financing, but it will be more difficult—and potentially more expensive—to get credit approval.

How are ATV loan interest rates calculated?

ATV loan interest is calculated based on the type of ATV you’re purchasing, the loan amount you’re borrowing, and your credit score. Credit scores are a measurement of how likely you are to make your monthly payment on time. The higher your credit score, the lower your interest rate will be for your vehicle financing.

I want to get prequalified, does applying hurt my credit?

Applying for this type of financing doesn’t hurt your credit. On the contrary, it’s a way to help you establish credit if you don’t have any. If you’d like to get prequalified, just meet all the eligibility criteria mentioned above.