ATV and UTV financing
Four-wheelers, side-by-sides, dirt bikes and snowmobiles — recreational machines that are often working equipment in disguise.
The short version
A utility ATV runs roughly $7,000 to $12,000 and a side-by-side $15,000 to $35,000 once accessories are added. If the machine is used on a farm, a ranch or a jobsite it is equipment, and financing it through a commercial program from $500 is usually cheaper than a consumer agreement for exactly the same machine.
Realistic expectations
What these machines cost
Accessories and a trailer frequently add 15 to 25 percent to the sticker. Budget for the whole package.
| Machine | Typical cost | Usually financed as |
|---|---|---|
| Youth or entry ATV | $3,000–$6,000 | No credit needed, or lease |
| Utility ATV | $7,000–$12,000 | Lease or installment loan |
| Sport side-by-side | $15,000–$30,000 | Installment loan |
| Utility side-by-side | $14,000–$35,000 | Installment loan or equipment finance |
| Dirt bike | $4,000–$11,000 | Lease or installment loan |
| Snowmobile | $9,000–$20,000 | Installment loan |
| Trailer and accessories | $2,000–$8,000 | With the machine |
Ranges reflect published program terms. Approval, approval amount and terms are determined by the provider after underwriting and are not guaranteed.
Work or play
The question that changes the price
Recreational use
Consumer programs: installment loan to $50,000 if your credit qualifies, lease to $15,000, or no-credit-needed to $7,500 on a smaller machine.
Farm, ranch or jobsite
Commercial equipment finance from $500. The machine secures the transaction, profiles from roughly 500 FICO are considered, and seasonal payment structures are available.
Dealer and rental fleets
Multiple units financed together on a commercial facility, with terms built around the rental season.
Section 179
If the machine is genuinely used in a business, it may qualify for Section 179 treatment in the year it is placed in service. Speak to your accountant before relying on it.
Buying well
Four things worth knowing
Finance the accessories with the machine
Winch, plow, roof, windshield, bumpers and a trailer routinely add thousands. Adding them to the same approval is cheaper and faster than a second transaction.
Used is financed too
A two-year-old side-by-side with documented hours is often the better value. Age and hours affect the term rather than ruling it out.
Check titling and registration in your state
Off-highway vehicle rules differ sharply by state, and some require registration or insurance for trail use.
Price the protection separately
Extended service contracts on powersports machines are often negotiable and worth pricing on their own rather than accepting bundled.
Questions
Common questions
Can I finance an ATV with bad credit?
Yes. A lease covers up to $15,000 on fair or rebuilding credit, and for business use equipment finance considers profiles from roughly 500 FICO.
Can I finance a used side-by-side?
Yes. Used powersports machines are financed routinely, with age and hours affecting the term and advance rate.
Should I finance it as business equipment?
If it genuinely works on a farm, ranch or jobsite, yes — it usually prices better and may carry tax advantages.
Can I include a winch, plow and trailer?
Yes. Accessories and a trailer can go on the same agreement as the machine.
Do you finance snowmobiles and dirt bikes?
Yes, along with ATVs, side-by-sides and most other powersports equipment.
Keep reading
Related pages
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