ATV/UTV Loans

as low as

7.⁸⁰

%

APR

The APR (Annual Percentage Rate) is effective as of 07/01/2024. Rates range from 5.49% to 18.00% APR with terms up to 180 months. Upon submitting an application, you may qualify for a higher or lower loan amount and/or higher APR. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal motorcycle, boat, ATV, or RV loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Up to 100% financing is available. New (never been titled) values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) values are based on the NADA average retail. Some restrictions apply. Full coverage insurance with a maximum deductible of $1,000 is required on all motorcycle, boat, ATV, and RV loans. The borrower is responsible for adding Arkansas Federal as a lienholder. Offer and rate advertised are subject to change without notice. Membership with Arkansas Federal 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.