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Fast and Easy Finance for Off-Road Adventures

Gear up for muddy adventures in nature's playground with our affordable and flexible credit union UTV loans in Ohio. Our simple application process and quick loan decisions take the hassle out of financing so you can hit the trails fast. Apply for an ATV or UTV loan and start experiencing freedom on four wheels!

 

 
 

Competitive Rates

Save on interest so you can have more for your outdoor adventures.

 
 

Flexible Terms

Terms of up to 84 months are available to get payments that work for your budget.

 
 

No Closing Fees

No loan closing fees means you can keep more of your hard-earned money.

 
 

No Prepayment Penalties

Make extra payments or pay off your loan early without a penalty.

 

ATV & UTV Financing for Ohio Riders

Ready to get muddy? Apply for an OUCU Financial ATV, UTV, or side-by-side loan and get financing built for off-road fun, weekend rides, and work around your property.

Our ATV and UTV loans include:

  • Financing for new and used ATVs, UTVs, and side-by-sides
  • Fixed rates, so your monthly payment stays the same
  • No additional collateral required because the vehicle serves as security for the loan
  • Simple payment choices, including online, check, and automatic payments

Outdoor adventure may be closer than you think. Apply for an ATV or UTV loan today.

Apply Now      Contact Us

A UTV driver steers their vehicle through a muddy course

 

Recreational Vehicle Loan Rates

 

  Rate Term Closing Fees Prepayment Penalty Skip-a-Pay Option
ATV/UTV/Side-by-
Side Loan		 As low as 7.49% APR* Up to 60 Months None None Yes

*APR = Annual Percentage Rate. On a $10,000 for 48 mo at 7.49% APR monthly payment would be $241.74. Subject to credit approval. Your rate may vary. Late fee: If you make a payment 10 days or more after the due date, you may be charged 5% of the monthly payment amount.

VIEW ALL RATES

 

Additional ATV Financing Features

 

Optional Credit Life & Credit Disability Insurance

Add optional coverage to your loan so payments may be made in the event of an accident, injury, or death.

Skip-a-Pay Option

Skip up to two payments per year and up to five total payments throughout your loan with OUCU’s Skip-a-Pay Service.

Refinance Loans from Other Lenders

Already have an ATV or UTV loan somewhere else? OUCU can pay off your old loan when you refinance with us.

Simple Application

Fill out a short loan application online, by phone, or in person at a branch.

Fast Loan Decisions

Get a quick decision, subject to credit approval, so you can move forward with your purchase sooner.

Personalized Service

Our team is here to guide you through the loan application and approval process.

 

How to Apply for ATV & UTV Loans

 

Step

1

 

Apply for a Loan

Conveniently apply online by clicking the button below, by phone, or in person at a branch.

Step

2

 

Application Review

We’ll review your application, crunch the numbers, and give you a fast loan decision.

Step 3

 

Finalize the Loan

Have the dealer send us a purchase agreement and we'll help you with the closing. Sign on the go from anywhere or in the branch!

 

Get Started Contact Us

 

Recreational Vehicle Tools & Services

ATV & UTV Loan FAQs

What credit score is needed for an ATV or UTV loan?

We consider several factors when making a loan decision. In addition to your credit history, we also review your income, employment history, and debt-to-income ratio, which is the percentage of your monthly income that goes toward paying your debts.

Can I get pre-approved for an ATV or UTV loan?

We offer ATV and UTV loan pre-approval to help you save time while shopping. With loan pre-approval, you will know exactly how much you qualify to borrow so you can focus on the vehicles you know you can afford.

Can I finance a used ATV or UTV?

Many used ATVs and UTVs qualify for financing, depending on their age, condition, and current value.

What are my options if I fall behind on my ATV or UTV loan payments?

We understand that you may occasionally have unexpected expenses — like medical bills, vehicle repairs, or something else. That’s why we created our Skip-a-Pay Service, which allows you to skip your loan payments up to twice per year. You are limited to skipping a total of five payments throughout the duration of your loan.

Do I need collateral for an ATV or UTV loan?

With ATV and UTV financing, the vehicle you are buying serves as the collateral for the loan. No additional collateral is needed.

Do ATV or UTV loans have fixed or variable interest rates?

Our credit union ATV loans have fixed rates. Your rate is locked in when the loan is created and won’t change. An important benefit of fixed rates is that your monthly payments will be the same each month. This helps with budgeting, and you also don’t have to worry about future rate increases.

Can I finance an ATV or UTV if I’m self-employed?

Yes, you can finance an ATV or UTV if you're self-employed, but you may need to provide additional documentation to verify your income. You may be asked to provide recent tax returns, profit and loss statements, bank statements, or other documentation.

Do I qualify to be an OUCU Financial member?

Membership is open to anyone who lives, works, worships, or goes to school in the following counties: Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, and Meigs. You also qualify for membership if you are an Ohio University or Hocking College active or retired employee, student, or graduate, or if you have a family member who is eligible for membership.

 

 

Questions? We’re Here to Help!

CONTACT US
CALL: (740) 597-2800
VISIT US

 

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