Skip to content
Two Red ATVs
Grab Your Gear

We'll work quickly to get you financed so you can experience exciting moments!

ATV and UTV Financing For Off-Road Fun

The best ATV Loans and UTV Loans for work or play are at AERO Financial.


Low Rates • Great Terms • Easy Application

Apply Now

Start Your ATV Loan and UTV Loan Application Here

UTV & ATV LOAN RATES

Gear up for excitement with our affordable ATV Loan rates and UTV Loan rates. Whether you are hitting the trails or exploring new places, AERO Financial helps make ATV and UTV ownership possible.

Rates as of October 4, 2024

Name APR1 (as low as)
ATV Loan 8.75%

conquer any terrain with our loan options

ATV FINANCING & UTV FINANCING Features

Streamlined and straightforward, our ATV Financing and UTV Financing options will help you get behind the wheel in no time!

LOCAL DECISIONS

Our team of local experts ensures the loan approval process is fast!

EASY APPLICATION

Day or night, complete your online application in minutes.

CUSTOM PAYMENTS

Using your budget as guidance, select the best term for your perfect payment.

FRIENDLY SERVICE

Our team of loan experts are here to help you every step of the way!
ATV Photo

calculate your payment

ATV Loan calculator

Take the scenic route more often with AERO Financial's ATV Loans and UTV Loans. Calculate the perfect monthly payment for your four-wheeler or side-by-side by entering the loan amount, interest rate, and loan term. Shorter loan terms will show a higher payment allowing you to pay off the loan faster, while longer terms will help lower your monthly payment.

Your actual term and payment will be provided upon acceptance of an AERO Financial Loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

ATV FINANCING PROTECTION OPTIONS

What is GAP Protection?

Should your ATV get totaled or stolen, GAP Protection covers the "gap" between the ATV's actual cash value and the outstanding balance on the ATV loan. By opting for this additional coverage, you shield yourself and your family from unexpected financial burdens. GAP Protection is great for any ATV purchase that depreciates quickly and ATV Loans with longer terms.

Not sure which protection options are best for your ATV Loan? Contact one of our loan experts today.

What Is Loan Protection?

Enjoy added financial security with coverage against unforeseen events that could impact your ability to repay your loans. AERO Finacial's Loan Protection offers financial support to help you cover your bills in the event of an emergency such as job loss, accident, illness, or death.

Not sure which protection options are best for your new ATV Loan or UTV Loan? Contact one of our loan experts today.

  • What is GAP Protection?

    Should your ATV get totaled or stolen, GAP Protection covers the "gap" between the ATV's actual cash value and the outstanding balance on the ATV loan. By opting for this additional coverage, you shield yourself and your family from unexpected financial burdens. GAP Protection is great for any ATV purchase that depreciates quickly and ATV Loans with longer terms.

    Not sure which protection options are best for your ATV Loan? Contact one of our loan experts today.

What is GAP Protection?

Should your ATV get totaled or stolen, GAP Protection covers the "gap" between the ATV's actual cash value and the outstanding balance on the ATV loan. By opting for this additional coverage, you shield yourself and your family from unexpected financial burdens. GAP Protection is great for any ATV purchase that depreciates quickly and ATV Loans with longer terms.

Not sure which protection options are best for your ATV Loan? Contact one of our loan experts today.

Contact Us
ATV Couple Riding The Dunes

knowledge is power

IS IT HARD TO GET AN ATV LOAN OR UTV LOAN?

Getting pre-approved for an ATV Loan or UTV Loan is simple at AERO Financial! 

  • STEP ONE: CHECK YOUR CREDIT SCORE
    Make sure you correct any errors because a higher credit score typically results in lower rates leading to a more affordable monthly payment.

  • STEP TWO: APPLY FOR PRE-APPROVAL
    Start your application by selecting the "Apply Now" button below. Once you have been pre-approved, you will receive a letter with the amount you have been pre-approved for. Shop with confidence now that you know how much you can afford.

  • STEP THREE: COMPLETE YOUR APPLICATION
    Follow up with your AERO Financial loan expert to complete the loan process and enjoy your new wheels!

Questions about the pre-approval process? Contact one of our loan experts today!

Apply Now

BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Every Budget Youll Ever Need Ebook

Start Saving Money Today

ATV In The AERO Stamp Mark

hit the dirt with confidence

ATV, UTV, OR QUAD FINANCING MADE EASY

Outdoor enthusiasts, recreational riders, farmers, hunters, property owners, and adventure seekers, we know you are. You've got ground to cover, and we are ready to help you get the ATV financing or UTV financing you need to get the job done. Whether you have had your eye on a certain ATV for a while, or you need to replace your current UTV, AERO Financial is ready to help!

Apply Now

Free Resources Just For You

A photo of a car salesman shaking hands with a customer in front of a new car at a dealership, with a visible insurance policy in the foreground and a credit union logo in the background.

Maximize Your Vehicle Investment with Credit Union GAP Protection

When financing a vehicle through a credit union, safeguarding your investment becomes a priority....

Read More
A creative and engaging cover photo illustrating the concept of credit union auto financing: a customer shaking hands with a credit union representative in front of a new car, with a visible credit union logo, symbolizing trust and financial savings.

The Smart Auto Buyer's Guide to Credit Union Financing

When purchasing a car, finding the right financing option is as crucial as selecting the perfect...

Read More
A photograph capturing the essence of automotive evolution and decision-making: a juxtaposition of a sleek electric vehicle and a traditional gasoline car, possibly with a background suggesting urban and rural versatility.

Gasoline vs. Electric Car Buying Guide

Choosing between a gasoline and an electric car marks a significant decision in the modern era of...

Read More
ATV Review
ATV Woman
ATV

What our members
are saying

“The easiest process we have ever went through for a loan. Always quick to reply and on top of things. We closed very quickly! I will never go elsewhere for financial needs.”

Tim K.

“AERO is awesome! I've had great experiences banking with them and having two auto loans with them. They even offered cash back when I paid off my first auto loan and opened a second auto loan with them. Their staff is very polite, friendly, attentive, and reliable.”

Kate S.

“We’ve had several auto and RV loans through them, and they worked seamlessly to make sure the process was fast and easy. They always picked up the phone when I called, which is rare these days.”

Megan M.

YOUR ATV AND UTV LOAN QUESTIONS, ANSWERED

Can I Refinance An ATV or UTV Loan From Another Lender?

Yes! Refinancing your ATV Loan or UTV Loan is a simple, straightforward process. You essentially apply for a new loan with AERO Financial, which pays off your current loan. This results in a new interest rate, a new loan agreement, and a new loan term.

What Does It Mean To Get Pre-Approved?

A pre-approval helps you determine the maximum loan amount you are eligible for before you start your ATV or UTV shopping. Having a pre-approval can help you shop with confidence and find a vehicle within your budget. Pre-approvals are good for 30 days.

Can I Use A Portion Of My Loan For Accessories And Upgrades?

Yes, if it meets the loan-to-value requirements.