ATV Financing

Do you dream about getting off the beaten path in the woods, racing through the mud or scaling desert rocks? Maybe you’re wishing for some extra power for farm chores or faster transportation during your hunting trips. Enter all-terrain vehicles (ATVs) and utility terrain vehicles (UTVs).

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Benefits of ATV financing

Financing your ATV or side-by-side/UTV helps give you the freedom to choose the vehicle you want from a brand you trust.* You can even incorporate approved accessories into your ATV or UTV loan to keep everything in one convenient monthly payment.

A Synchrony installment loan offers ATV and side-by-side loans that can help you pay over time. A variety of dealers offer Synchrony loans, so you can enjoy shopping knowing you might have the option to apply for financing on many different ATV and side-by-side brands.

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Why choose Synchrony for ATV financing?

A Synchrony loan offers flexible terms, allowing you to pay back the loan over time and make convenient monthly payments.* You can also use the loan to purchase the approved accessories and gear you need at the time of vehicle purchase.

  • Banking you trust: Synchrony is a Fortune 500 bank that’s been helping consumers for more than 90 years.
  • Brands you love: We partner with 100+ powersports brands for you to choose from.
  • 4,500 dealers: Synchrony loans are offered by over 4,500 dealership partners to help you get the powersports vehicle you want with financing.*
  • Lightning-fast decision: Get a decision about your loan application in 60 seconds or less.
  • Autopayment: Never miss a payment. Call Synchrony’s customer service and set up your automatic payments.
  • Early payoff: No early payment penalties or fees if you’d like to pay your loan off early.
  • Equal payments: Making predictable monthly payments over the life of the loan may help fit the cost of your purchase into your budget.

Ready to ride? Find a dealer near you that accepts Synchrony financing.

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ATV Loans: Types of ATVs and UTVs

Before you look at ATV financing, you’ll have to decide what type of vehicle you want and which dealership to visit. Keep in mind that an ATV has four wheels and a set of handlebars for steering; the operator and passengers straddle the seat.1 You might also know this machine as a quad, four-wheeler, 4x4 or light utility vehicle.

 

Another popular option is a UTV, and a side-by-side (SxS) is one of the most popular types of UTV. These vehicles also have four wheels, but they use a steering wheel. The operator and passengers sit in seats similar to car seats.1

 

Whether you’re shopping for an ATV or UTV, you could expect your new vehicle to hold a significant amount of value over time.2

 

Here’s a more in-depth breakdown of the types of vehicles you can finance with ATV loans:*

Type Passengers Notable Features Good For Average Cost
Utility UTV 1 Towing capacity for moving trailers and gear1 Farm work; hunting1 $5,000-$8,0003
Touring UTV 2 Longer wheelbase and extra seat1 Remote camping; farm work; hunting1 $7,800-$16,500+4
Sport or Performance ATV 1 Stronger engine, more stability, improved suspension1 Racing; remote thrill riding1 $6,000-$8,0003
Youth UTV 1 Lightweight, with speed limitations and GPS locators1 Kids and teens learning to ride under supervision $2,000-$4,0003
Utility Side-by-side 2-3 Easy-to-access seats Work around the farm or job site $7,000-$15,000+5
Recreation Side-by-side 2-6 Plenty of passenger space and power Exploring off-road with family or friends $11,000-$16,000+5
Youth Side-by-side 2 Reduced power, seat belts and other safety features Kids and teens learning how to drive under supervision $5,000-$10,0006

Financing ATV accessories

Even if you’ve owned an ATV in the past, you’ll likely want to accessorize your new ride. As with other powersports vehicles, safety is important when it comes to both ATVs and UTVs.7 Protective clothing, a helmet and goggles can cost more than $1,000 per person.3 You will also want to consider mechanical equipment like a winch ($100-$200) and a toolkit ($40+).3 When you finance your vehicle with a Synchrony loan you can include approved items into your loan at the time you purchase your vehicle from the dealership.*

 

After your vehicle purchase, you can use the Synchrony Outdoors Credit Card at powersports retailers to help you outfit yourself and your ride. The Synchrony Outdoors Credit Card allows you to purchase the powersports gear, accessories, parts, services and even fuel you need to power your passion. To learn more about the Synchrony Outdoors Credit Card visit synchrony.com/financing/outdoors.

How to apply for ATV loans

With Synchrony, getting started with ATV financing is simple. Talk to your favorite enrolled dealer! When you apply for a Synchrony loan using our digital application, you’ll need to provide your:

  • First and last name
  • Address
  • Email
  • Social security number
  • Date of birth
  • Income information
  • Vehicle information
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ATV accessories

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ATV 101

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Winterizing Your ATV

*Offer subject to credit approval by Synchrony Bank.

**Subject to credit approval. See Synchrony Outdoors | Synchrony for details.

Sources

  1. Krisolk, H. Different ATV and UTV Types Explained (with Examples). Boost ATV. Accessed 2022, December 28.
  2. Why Are ATVs so Expensive? Here’s Why. ATV Helper. Accessed 2022, December 28.
  3. How Much Does an ATV Cost? Price Examples for the Popular Models. UTV Ride. Accessed 2022, December 28.
  4. 2-Seater [2-up] ATVs & Quads. can-am. Accessed 2022, December 28.
  5. Randall, M. (2020, November 11). How Much Does a Side-by-Side Cost? SuperATV. Accessed 2022, December 28.
  6. Richardson, A. (2021, November 30). Top 5 Youth Side-by-Sides. UTV Driver. Accessed 2022, December 28.
  7. Off-Highway Vehicle Safety and Fatality Data. Consumer Federation of America. Accessed 2022, December 28.

The information, opinions and recommendations expressed in this content are for informational purposes only. Information has been obtained from sources generally believed to be reliable. However, because of the possibility of human or mechanical error by our sources, or any other, Synchrony and any of its affiliates (collectively, “Synchrony”) does not provide any warranty as to the accuracy, adequacy, or completeness of any information for its intended purpose or any results obtained from the use of such information. The data presented was current as of the time of writing. Please consult with your individual advisors with respect to any information presented.

 

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