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Things To Know Before Buying Or Financing An ATV Or All Terrain Vehicle
All-terrain vehicles, or ATVs as we commonly refer to them as, is actual a term referring to a group of several types of small four-wheeled machines designed to travel on terrains rougher than roads or trails.
Sometimes, people assume that utility terrain vehicles and UTV's should be grouped into the same category as ATVs, but there are some key differences between these two vehicle classes. If you’re considering buying an all-terrain vehicle, there are a few things you should know first, which may help you decide which type of vehicle to purchase.
The world has built an entire culture around the world of ATV's and quads. They're fast, fun, agile, and can tear through just about any land or amphibious terrain. But what types are there, and how should you choose which ATV style is best for you?
Of course, your budget plays a big part in what type of ATV you can purchase and which bells and whistles will be available to you. Larger models with more powerful engines, four-wheel drive, winches, and myriad add-ons for carrying gear can definitely carry a premium.
UTV's, also known as side-by-sides, often have a seating arrangement where the driver and passenger sit next to each other. These will often have a robust and powerful four-wheel drivetrain and a windshield, and tend to drive more like a car or automobile, with a steering wheel and foot pedals for brake and gas. Some UTV's and Side By Sides have four seats, while others come equipped with a truck-like bed for hauling whatever you might need through the rugged terrains. Most models have enough towing capacity for a small trailer or boat (hint, hint...)
If you’re not planning on racing or putting your ATV to work, but you still want to feel the thrill of riding an ATV, there are still plenty of options for you to feel the excitement of tearing up the mountain trails, campgrounds, or cruising with your family down by the lake or through the hilly desert sands.
ATV models are also designed specifically for diverse experience levels and youth riders as well. You should also be sure to wear all protective gear at all times and obey all applicable laws surrounding the use of ATVs on public and private property.
No, getting prequalified for ATV, UTV or Side by Side financing does not hurt your credit. We understand that you want to explore your financing options without negatively impacting your credit score. That's why we use a soft credit inquiry for prequalification.
Feel free to get prequalified today and take the first step toward your ATV adventure without any worries about harming your credit. We're here to help you every step of the way!
The average price of an ATV can vary widely depending on factors such as the brand, model, size, features, and whether it's new or used. ATV’s can cost anywhere from $3,000 to $17,000, with an average price being around $8,000.
The loan term for ATV, UTV or Side by Side financing can vary but commonly ranges from 24 to 72 months (2 to 6 years). Shorter loan terms often result in higher monthly payments but lower overall interest costs, while longer terms may have lower monthly payments but potentially higher total interest expenses. The right term for you depends on your budget and financial goals.
ATV, UTV or Side by Side financing is not limited to new vehicles. Choose any unit, new or used, at any dealership or private seller. You choose the unit, we give you the money!
We specialize in dealing with clients who have credit issues. Many applicants will qualify with no down payment. We have a very high ratio of clients that are approved very quickly.
