ATV Loans

Smooth trails ahead
Start your off-road adventure on the right track with low-rate ATV financing from Mountain America Credit Union.

Financing an ATV: easy as 1, 2, 3!

If you have always fantasized about cruising colorful desertscapes on an ATV or soaring down the coastal highway on a motorcycle, then why not make that dream a reality? Mountain America offers low, fixed rates, so you can hit the trails without breaking the bank.


Our ATV loans feature:

  • Fixed rates as low as 5.24%* APR
  • No application fees
  • Terms up to 6 years
  • Onsite financing at many dealerships
  • Rate discounts with MyStyle CheckingSM

Calculate your payments


Start your adventure today

Apply for your Mountain America ATV loan online, through our mobile app or at a local branch. You can even ask for Mountain America financing at the dealership.

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Make sure your ATV repairs are covered.

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How motorcycle and ATV loans work

When you consider financing a motorcycle or ATV, take advantage of Mountain America's flexible lending period. For example, the loan period can be as long as 72 months (or six years). So, when calculating the monthly note for a motorcycle or ATV, factor in:

  • The total cost of the vehicle
  • The monthly fixed-interest rate—loan calculators can help you crunch the numbers (generally, the higher your credit score, the lower the interest rates on your purchase will be)
  • Divide those totals by the number of months you wish to finance

Even if you are more comfortable making the terms on a recreational vehicle for a long period of time, as long as you have a low fixed interest late, you are still paying more on the premium than in interest. Further, there are no penalties for paying above the minimum amount due, which could help reduce the amount paid in interest.


How long can you finance an ATV?

Banks and credit unions offer conventional ATV loans for fixed periods of time, typically between 3–6 years, with fixed annual percentage rates. The APR will depend on your credit score, the loan term, ATV cost and the organization that is financing the loan.

Some financial institutions may also offer revolving loans. These loans are often easier to qualify for and have lower monthly payments. However, a lower payment means it takes much longer to begin paying down the principal on the loan. Additionally, a variable interest rate may mean your rate could go up or down during the loan period.

This is why conventional loans tend to make better financial sense for ATV owners, because the interest rate is locked in for the duration of their loan term and the owner knows when they’ll pay it off.

*Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness. See current rates and terms. Membership required–based on eligibility. Advertised rate includes 0.25% discount for MyStyle Checking. The minimum payment for a loan with a 5.49% APR and 5-year term is $19.10 per $1,000 borrowed.

**Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.