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ATV Financing

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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.Riders travel down a muddy trail on ATVs bought with First Source financing

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?

It’s a good idea to apply for pre-approval for your loan, so you know what you can afford. We’ll review your finances, history, and personal situation, and let you know whether you qualify. If you do, your pre-approval lasts for 30 days, during which you can shop, negotiate with the dealer, and feel better prepared to stay within your budget.

Adult on 4-wheeler purchased with First Source financing tows kids on sled through snow

Easy ATV Financing

How easy is it to get ATV, UTV, or 4-Wheeler financing? We review your personal and financial factors, and if you qualify, we provide a quick turnaround on pre-approval paperwork. 

Loan Rates

Check out our current best rates, below. 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.

Explore Smarter

Don't wait to start your next adventure. Get started with the application process below.


If you’re not ready to apply for a ATV Loan, and have questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today.

Let’s Get Started

We look forward to helping you.

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Not sure which model you can afford?

Check out our helpful loan comparison calculator.

Recreational Loan Comparison Calculator

Term APR
12 Month as low as 4.24%
24 Month as low as 4.24%
36 Month as low as 4.24%
48 Month as low as 4.50%
60 Month as low as 4.75%
72 Month as low as 4.85%
84 Month as low as 4.95%

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 is determined by credit score.

Monthly payments for a 5 year recreational use vehicle or equipment loan at 4.75% would be $18.76 per $1,000 borrowed.

Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.