ATV Loan Calculator

Estimate your monthly loan payments before financing an ATV

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How to use our ATV loan calculator

Written by Carol Pope | Edited by Amanda Push | Reviewed November 22, 2024

Using our ATV loan calculator is simple.

Plug in how much you’ll need to borrow with a powersport loan, and include your estimated interest rate. It’s OK to guess, but it’s best to prequalify with a few lenders to see what kind of rates to expect. Then, choose your loan term. This is the length of time you’ll have to pay back your loan.

Experiment with different loan amounts and loan terms to find a loan that fits your budget. Generally:

The longer your loan, the lower your monthly payment. This is because you have more time to spread your balance across. But the longer it takes to pay off your loan, the more overall interest you’ll likely pay. Also, lenders usually charge higher rates on longer loan terms.
The shorter your loan, the higher your monthly payment. A shorter loan term can help you cut back on how much interest you’ll pay. You might also qualify for a lower rate.

What to know before financing an ATV

ATV financing works like other types of personal loans. You might be eligible if you have bad credit, but lenders typically give their lowest rates to borrowers with at least good credit (670+). If you aren’t sure what your credit score is, check it for free with LendingTree Spring.

Also, finding the best ATV loan rates is all about shopping around. Every lender has its own set of rules when it comes to calculating interest rates. One lender might charge you a lower rate than another, even if your information is the same.

LendingTree has the biggest network of lenders in the U.S., and we can help you compare loans for free. Checking rates won’t hurt your credit — see what you could qualify for today.