ATV & UTV Loans for your off-road adventures

It’s smooth trails ahead when you finance your all-terrain vehicle with Arizona Financial.

ATV & UTV Loans

We offer low, fixed loan rates for new and used ATVs and UTVs that will turn your off-road and on-the-water adventures into a reality.
Term
Fixed APR*
as low as
Minimum
Loan Amount
Term
48 Months
Fixed APR*
as low as
5.99%
Minimum
Loan Amount
$5,000
Term
60 Months
Fixed APR*
as low as
6.24%
Minimum
Loan Amount
$10,000
Term
72 Months
Fixed APR*
as low as
6.59%
Minimum
Loan Amount
$15,000
Term
84 Months
Fixed APR*
as low as
6.94%
Minimum
Loan Amount
$25,000
Effective November 1, 2022

*Annual Percentage Rate. APR shown is the lowest available rate for up to 60 months for new and used ATVs, UTVs, Personal Watercraft and Motorcycles. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Rates will be higher for ATVs, UTVs and Personal Watercraft. Membership required based on eligibility.

*Annual Percentage Rate. APR shown is the lowest available rate for up to 60 months for new and used ATVs, UTVs, Personal Watercraft and Motorcycles. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Rates will be higher for ATVs, UTVs and Personal Watercraft. Membership required based on eligibility.

Start Creating Your Adventures:

Make Your Adventures a Reality

Whether you plan to ride the off-road trails or slide through the snow – you define the adventure and and we'll find you the perfect loan for your budget.

  • Low, fixed-rate financing
  • No prepayment penalties
  • Terms up to 84 months
Mother and Son on ATV Adventure

Frequently Asked Questions

How long does a ATV, UTV or Jet Ski loan process take?

Typically, the process can take anywhere from 2-3 business days, depending on the vehicle you are buying.

Can I get preapproved before I shop for a ATV, UTV or Jet Ski?
When you’re considering purchasing an all-terrain vehicle or jet ski, a loan preapproval is a good first step.
  • Gives you an idea of the loan amount you may be able to afford
  • Demonstrates your ability to obtain financing 
  • May speed up the ability to close your loan
Do I need to get insurance on my ATV, UTV or Ski Jet?

Protecting your assets with an insurance policy is required when financing the purchase of an all-terrain vehicle or jet ski.

Do I have to be a member of Arizona Financial to get a utility vehicle loan?

To take advantage of Arizona Financial benefits, including competitive loan rates – membership is required. It's simple to become a member. You just have to meet one of our membership eligibility requirements.