ATV Loans

Your next outdoor adventure is calling
It’s your Advantage

Start Exploring Uncharted Territory

When you finance an ATV through 1st Advantage, we help secure the right loan for your goals and your budget.

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With low interest rates and low monthly payments, you can pay off your loan sooner while enjoying the great outdoors.

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Our fast application process will have you hitting the trail with your one-of-a-kind vehicle in no time.

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We don’t charge an application fee or prepayment penalty — because that would just ruin the fun.

Get Moving with Great Rates

New & Used ATV Loans



*APR = Annual Percentage Rate. Current APR as of 7/1/2024. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on loan term and creditworthiness (credit score and history). Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV.


Up to 48 months




Up to 60 months




Up to 66 months




Up to 75 months




Up to 84 months




Up to 96 months



Ready to Crunch Some Numbers?

Enter the amount you wish to borrow and preferred loan term to determine your estimated monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Questions? We Can Answer Those.

You must be at least 18 years old to qualify for an ATV loan.

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Most people opt for the full 96 months when paying off their loan. However, other terms are available.

Yes! Our Skip A Payment* program makes it easy to find extra cash  for whatever you choose! With our convenient online form, you can request to defer one of your monthly loan payments when you need to, from wherever you are.


  • You must have made 11 consecutive months worth of payments on the loan for program eligibility.
  •  All credit union accounts must be in good standing.
  • A $30 fee will be deducted from your savings or checking account per loan, per occurrence. If the funds are unavailable, the request will be unable to process.

Click here for the Skip A Payment Application.

Click here for the Skip A Payment with Co-Borrower Application.

*Fixed term Signature, Secured, and Vehicle loans qualify for Skip A Payment program. Credit Card, Signature Lines of Credit, Mortgage, Business, Payday, and Freedom Loans are not eligible for program. Charges and other restrictions may apply. Loan must be open for at least 11 months and member must be current on loan and all credit union accounts to qualify. If you have skipped a payment on a loan in the last 9 months, that loan does not qualify for this promotion. There is a $30 application fee per loan, per occurrence. All requests to defer a payment must be approved. Interest will continue to accrue during the deferral period. This will extend the original term and increase the amount of finance charges. If there is a Co-Borrower/Guarantor on the loan, all parties must sign to be eligible for this program.

Request More Information – ATV Loans

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Explore our blog for financial tips, practical advice, and how to achieve more financially.

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