Motorcycle and ATV Loans

Before you can start your off-road adventure, you need to secure financing for that new motorcycle, ATV or side by side. This is where Mountain America comes in.

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Motorcycle and ATV Loans

Before you can start your off-road adventure, you need to secure financing for that new motorcycle, ATV or side by side. This is where Mountain America comes in.

Financing an ATV or Motorcycle: 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.

Benefits of A Mountain America RV Loan

People often hesitate to buy a new toy like a motorcycle, ATV, or boat, because of worries about keeping up with monthly payment. But with Mountain America's flexible terms, the amortization period on such an investment can be quite affordable!

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 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 the consumer wishes to finance
Even if you are more comfortable making the notes 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 will 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 a borrower’s 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, lower payments means it will take much longer to begin paying down the principal on the loan. Additionally, a flexible interest rate may mean your rate could go down or up 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 they owner knows when they’ll pay it off.

Apply Today in Less Than 10 Minutes

Don’t wait! Apply for an ATV or Motorcycle loan with Mountain America today and get on the road or trail sooner than you imagined for less than you imagined.

Apply online by clicking the button below, or visit your nearest Mountain America branch, or call 1-800-748-4302.


Take the first step for your off road adventure today.

*Annual Percentage Rate

Ask for Mountain America financing at the dealership. Loans subject to credit approval.

See current rates and terms. The minimum payment for a loan with a 5.49% APR and 5-year term is $19.10 per $1,000 borrowed. See our Loan Calculator for specific examples.

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. 

RV rates include .25% discount for MyStyle Checking.  

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