UTV/Side-by-side financing

Whether you’re working on a farm or experiencing the thrill of off-roading, nothing beats the comfort and convenience of a UTV (aka side-by-side). UTVs are off-road vehicles that you operate with a steering wheel and pedals.1 A Synchrony installment loan allows you to get the UTV you’ve been eyeing, and pay over time with convenient monthly payments.*

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Benefits of UTV financing

Side-by-side financing with a Synchrony Installment Loan allows you to purchase a UTV from a number of great brands and lets you roll your safety equipment and accessories into one easy monthly payment at the time of purchase.*

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Why choose Synchrony for UTV 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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UTV/Side-by-side costs

Side-by-sides are fun, practical and even street-legal in some states.2 A UTV can be rigged up for a day of hunting, working on the farm or trail riding with up to six family members. Here’s how much you could expect to spend on these machines.

How much does a side-by-side cost?

If you’re shopping for a UTV, you could expect to pay between $5,000 and $30,000.3 On average, a side-by-side with basic features from a reputable brand may cost about $15,000. That’s why loans for side-by-sides are so popular—they allow you to keep your cash on hand and pay for your UTV over time.

Side-by-side financing terms

Side-by-side loans allow you to purchase the UTV that’s right for you and pay it off over time.* The specifics of your monthly payment will depend on your loan amount, loan term and interest rate. You can even roll your accessories, customizations and equipment into the loan amount at the time of vehicle purchase.

Financing UTV accessories

You can use your Synchrony loan to pay for approved equipment and accessories when you purchase your UTV.* From required safety equipment like a helmet to nice-to-have items like a stereo system, accessories can make your UTV experience even more fun. And if you need a trailer for your UTV, we partner with over 700 trailer manufacturers to offer convenient financing for all types of trailers too.

Roll customizations into your loan

To get the most out of your vehicle, you’ll want to customize it to your needs. Financing for your side-by-side can help. UTVs are sold with different finishes and features, some more expensive than others. A dealer can help you understand all your options and find the right UTV for you.

 

If you’ll be working in all kinds of weather, you might opt for a UTV with a full roof and windows to protect you from the elements. A large cargo tray is helpful for farm work or hunting, while three-row side-by-sides are the go-to for large families or people who enjoy riding with friends.

 

By financing these customizations at the time of purchase, you can get a UTV that fits your wants and needs, for one monthly payment.*

Types of UTVs

Once you know how you want to use your UTV or side-by-side, you can pinpoint the type that’s right for you. Here are a few popular options that may be eligible for financing.

Type Uses Passengers Estimated Cost
Utility UTV Great for working around a farm or construction site, towing and hauling 2-3 $7,000-$10,000+4
Crew cab UTV Good for working and transporting passengers 4-6 $13,000+5
Sport UTV With a lower center of gravity and powerful engines, these UTVs are tuned for aggressive performance 2-6 $16,000+4
Youth UTV Designed to teach kids and teens the basics of safe operation, with limited features and horsepower 2 $5,000+6

How to apply for UTV Financing

With Synchrony, getting started with UTV 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

Whether you’re using them for work or play, UTVs are both fun and useful. Side-by-side financing with Synchrony allows you to customize the vehicle of your dreams. To help keep more cash on hand, finance UTV accessories and safety equipment in the same loan at the time of your UTV purchase. That way you’ll have everything you need, with only one monthly payment.*

Read article

UTV accessories

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UTV winterizing

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Powersports financing for beginners

*Offer subject to credit approval by Synchrony Bank.

Sources

  1. Krislock, Haavard. Different ATV and UTV types explained (with examples). Boost ATV. Accessed August 3, 2022. https://boostatv.com/atv-utv-types
  2. Huntley, Brent. Riding an ATV/UTV on the Road? State-by-State Legal Guide. ATV Man. Accessed August 3, 2022. https://atvman.com/streets
  3. Randall, Megan. A Guide to New and Vs. Used UTV Pricing. JD Powers. Accessed August 19, 2024. https://www.jdpower.com/motorcycles/shopping-guides/new-vs-used-utv-pricing-guide
  4. Threewitt, Cherise. Side-by-Side (SxS) & UTV Buying Guide. Polaris. Accessed August 19, 2024. https://www.polaris.com/en-us/off-road/articles/buying-guides/side-by-side-utv-buying-guide/#:~:text=2025%20RZR%20TRAIL,Starting%20at%20$12%2C499%20US%20MSRP
  5. Polaris Off Road. Ranger crew. Accessed August 3, 2022. https://ranger.polaris.com/en-us/crew
  6. Richardson, Aaron. Top 5 2022 Youth Side-by-Sides. Nov. 30, 2021. UTV Driver. Accessed August 3, 2022. https://www.utvdriver.com/story/new-utvs/5-best-youth-side-by-sides-you-can-buy/
  7. UTV Direct. UTV doors. Accessed August 3, 2022.https://www.utvdirect.com/utv-doors/
  8. Kolpin Outdoors. UTV windshields. Accessed August 3, 2022. https://www.kolpin.com/en-us/shop/accessories/windshields-roofs/utv-windshields/
  9. POWERSPORTSiD. UTV factory headlights. Accessed August 3, 2022. https://www.powersportsid.com/utv/factory-headlights.html
  10. Amazon. UTV harness. Accessed August 3, 2022. https://www.amazon.com/UTV-Harness/s?k=UTV+Harness

This content is subject to change without notice and offered for informational use only. You are urged to consult with your individual business, financial, legal, tax and/or other advisors with respect to any information presented. Synchrony and any of its affiliates (collectively, “Synchrony”) makes no representations or warranties regarding this content and accept no liability for any loss or harm arising from the use of the information provided. Your receipt of this material constitutes your acceptance of these terms and conditions.