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Pictures of people riding ATVs and 4-wheeler secured with recreational loans

ATV Financing

Explore Outside Sooner

Financing Your ATV, UTV, or 4-Wheeler
It’s time to have some fun off-road and explore! First Source makes your fun affordable with a low, fixed rate loan for your ATV. When you know what you want to buy, let us know, and we can walk you through the easy application process. We take into account your budget, how long you need to pay back the loan, and how much you have saved. We simplify 4-wheeler financing, filling you in on current interest rates and terms, and how your credit history and finances can affect your loan. 

UTV Financing
Want to get some work done, or ride with more than one or two people? A new or used UTV (Utility Task Vehicle) may be what you’re looking for. No worries—there’s a loan for that, too. Show us what you’re hoping to buy, and we’ll show you how to apply. 

What Do You Need to Know?
We can talk about whether you can get pre-approved (pre-qualify you) for your loan, based on your personal finances and credit history. Even if you have questionable credit, or desire for zero down payment, we’ll study your finances, history, and personal situation, and depending on your exact qualifications, we’ll let you know whether financing is available. 

Easy ATV Financing
How easy is it to get financing for your ATV, UTV, or 4-Wheeler? We start by looking at all your personal factors, and if you qualify, the applying is easy. We even help you with the paperwork. 

Loan Rates
Check out our current best rates, below. These are “best case” numbers. The actual rate each person would pay (if they qualify) depends on a number of factors, like their credit history, financial status, credit rating, and more. We can determine your qualifications, and the rate you’d pay, when you apply.

Want a rough idea? Calculate typical loan payments for an ATV using our Recreational Loan Calculator, below.

Living Smarter
Summer won’t wait, so make an appointment to meet with one of our representatives by submitting the form below!

Fill out my online form.

Not sure which model you can afford?

Check out our helpful loan comparison calculator.


Recreational Loan Comparison Calculator

12 Month

as low as

3.39%APR

24 Month

as low as

3.39%APR

36 Month

as low as

3.49%APR

48 Month

as low as

3.59%APR

60 Month

as low as

3.69%APR

72 Month

as low as

3.79%APR

84 Month

as low as

3.89%APR


Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value up to 100% is determined by credit score.

Monthly payments for a 5 year recreational use vehicle or equipment loan would be $18.28 per $1,000 borrowed.

*Federally insured by NCUA. Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change. Supporting dreamers everywhere. By submitting your email, you give First Source permission to send you informative and promotional emails, including information on upcoming events, products, and services. You may change your designation at any time in the future.