Financing an all-terrain vehicle (ATV) is a lot like financing any other type of vehicle. Some banks and credit unions offer secured loans for ATVs that you can pay off in 12 to 60 months. (A secured loan means the ATV will be used as collateral against the loan.) Other banks offer unsecured personal loans that you can use to buy an ATV – though personal loans tend to have higher interest rates.
U.S. Bank offers loans up to $15,000 for new ATVs. As you prepare to apply, it’ll be helpful to have the window sticker from the dealer, or the Manufacturer’s Suggested Retail Price (MSRP) Window Sticker. It contains all the information about the ATV your banker will need including make, model, horsepower, value and VIN/Serial Number. You’ll also need your insurance information prior to loan closing.