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ATV & UTV LOANS

Outdoor fun begins where the road ends! Go off the beaten path with an ATV or UTV and have epic adventures exploring the wilderness — or carry tools, equipment, feed, and other supplies across your farm, ranch, or around your home.  

Conveniently apply online for a fast loan decision and save with a low APR*. Flexible terms of up to 84 months are available to make ownership work for many budgets. Apply for an ATV or UTV loan today to turn every ride into a new adventure.

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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.

 

Forge New Paths with ATV & UTV Loans in Ohio

Discover new trails, conquer rugged terrain, and make every ride an adventure to remember with an ATV or UTV! Our low APR, flexible rates, and no closing fees make vehicle financing a breeze. It only takes a few minutes to fill out our short application, and we’ll give you a fast loan decision so you can start exploring the outdoors sooner.

Are you ready to get muddy on the trails? Apply for an OUCU Financial ATV loan in Ohio to experience exciting thrills on four wheels. Let us take care of the financing so you can focus on the ride!

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A man splashes through muddy waters in an all-terrain vehicle he financed with a credit union ATV loan.

 

Forge New Paths with ATV & UTV Loans in Ohio

 

Skip-a-Pay Option

Need a little breathing room? Skip up to two payments per year and a total of five throughout your loan with our Skip-a-Pay Service.

Hassle-Free Application

Our application process is short and simple to help you get faster financing. Conveniently apply online, by phone, or in person at a branch.

Fast Loan Decisions

We’ll give you a quick loan decision so you can start having epic adventures right away.

Optional Credit Life & Credit Disability Insurance

Optional insurance can be added to your loan to ensure your payments will be made in the event of an accident, injury, or death.

Loan Pre-Approval

Find out how much you qualify to borrow so you can save time and money while shopping for the perfect vehicle.

Personalized Service

Our dedicated team will support you every step of the way throughout the loan process and beyond.

 

ATV, UTV, & Side-by-Side Loan Rates

 

  Rate Term Closing Fees Prepayment Penalty Skip-a-Pay Option
ATV/UTV/Side-by-
Side Loan
As low as 7.85% APR* Up to 60 Months None None Yes

*APR = Annual Percentage Rate. On a $10,000 for 48 mo at 7.24% APR monthly payment would be $240.53. 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.

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How to Apply for an ATV/UTV/Side-by-Side Loan

 

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

 

Tools & Services

ATV & UTV Loan FAQs

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

Although a credit score of 650 is preferred, we also consider other factors when making a loan decision. In addition to your credit history, we also review your income, employment history, and your 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.

 

 

Have a Question? Our Team Is Just a Call Away!

 

 

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