ATV on direct road

ATV Loans

ATV financing for smooth trails ahead

Start your off-road adventure on the right track with low-rate ATV financing from Community Resource Credit Union.

If you have always fantasized about cruising the dusty pathways on an ATV or mudding through the woods, then why not make that dream a reality? CRCU offers low, fixed ATV loan rates, so you can hit the trails without breaking the bank.
  • Low Payments:  Terms up to 84 months available on new
  • Save Money:  No prepayment penalty, no application fee
  • Great Rates:  Rates starting as low as 7.74% APR*
  • New, Used or Refinance:  Found a great deal from a dealer or individual?  We can help!

What to know

  • Requires full coverage insurance with deductibles not to exceed $1,005
  • Credit Life/Disability Insurance is available for your loan
  • Available GAP Insurance helps pay off your remaining loan balance if your auto is stolen or damaged and is deemed to be a total loss
  • Complete an application and electronically sign the document using a secure and intuitive online process. Please be aware that this process may verify your identity by asking a series of random "out-of-wallet" questions, which may be created from public record and credit databases.

ATV in mud

Why ATV Insurance?

ATV or Recreational Insurance is needed for anyone owning a camper, RV or other recreational vehicle. It serves as your financial shelter in the event you suffer loss due to a road accident or if you must compensate the victim of an accident.

Benefits of ATV Insurance

  • By state law, you could be fined for not having proof of insurance
  • Covers injury and property damage for you and the third party if needed
  • Peace of mind for your investment

To start protecting your investment today, get a free quote online or contact CRCU more information.

Get a Free Quote

Before you apply, be sure to gather the following:
  • Employment information (including employer name and contact information)
  • Proof of income (pay check stub or W2)
  • If available, information about the vehicle (make, model, year, and VIN) or collateral

Prior to loan closing, be sure to:

  • Contact your insurance agent to add new lien information and retrieve a binder
  • Insurance binder should list CRCU as lienholder and have our PO Box address
  • Sign your loan documents in person – or electronically with our online application
Loan Type 
Up to 48 Months
APR* as low as 
49 - 72 Months
APR* as low as 
73 - 84 Months
APR* as low as
New ATVsa 7.74% 8.29% 8.49%
Used ATVsa 8.49% 9.04% n/a
*APR = Annual Percentage Rate. aCertain terms, conditions, and or discounts apply to rates listed. Rates current as of 09/13/2023 and are subject to change based on market conditions and borrower eligibility. Payment example: a $30,000 loan with a 48-month term at 7.74% APR = $786.00 monthly payment. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. Subject to mileage and vehicle age limitations. A vehicle is considered new when not previously titled. Minimum loan amount of $30,000 to qualify for 73-84 month term (84 maximum term on new).  Minimum loan amount of $15,000 to qualify for 48-72 month term.  There is a maximum term of 72 months for used motorcycles and ATVs.CRCU finances up to 110% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 110% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU vehicle loan. The minimum approved loan amount is $500.00. Offer subject to change or cancellation without notice. CRCU membership required.  Contact us for details. 

Start your adventure today

For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.

Contact Us

Apply Today!

two ATVs jumping in air

Frequently Asked Questions

How many months can I finance an ATV loan?
We offer different types of terms. Please see our rate table for additional information.

Can I apply for a loan if I haven't found an ATV yet?
Yes.  Always get a preapproval before going shopping. 

What is the maximum age of an ATV I can finance?
Typically, we do not finance collateral older than seven years.

Do you offer credit life and disability insurance on ATV loans?
Yes. Your loan can be fully protected in case of an unexpected loss of income.

What is electronic title?
Electronic title or e-title is a digital record of ownership of a vehicle. No physical title is printed.