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4x4 ATV Financing & Loans

Roadrunner Financial knows 4×4 ATV financing. Explore brands, compare instant loan offers, and secure your ride at a local dealership.

Check My Rate

No commitment. No impact on credit score.

4x4 ATV Financing
Just Clicks Away

Get Prequalified

Get a real-time decision with no impact on credit score.

Quick Process

Save time at the dealership. No hassles. No haggling.

Competitive Rates

Receive competitive rate offers that are valid for 30 days

All Credit Welcome

We welcome all credit scores, from subprime to prime.

Browse 4x4 ATV Makes

ARCTIC CAT LOGO

Arctic Cat Financing

ATV ICON IN BLACK

Honda Financing

SUZUKI LOGO

Suzuki Financing

BIGHORN LOGO

Bighorn Financing

Kawasaki Financing

TEXTRON OFF ROAD LOGO

Textron Off-Road Financing

CAN-AM LOGO

Can-Am Off-Road Financing

KYMCO LOGO

Kymco Financing

ATV ICON IN BLACK

Yamaha Financing

CFMOTO LOGO

CFMOTO Financing

MASSIMO LOGO

Massimo Financing

HISUN LOGO

Hisun Financing

ATV ICON IN BLACK

Polaris Financing

4x4 ATV Loan calculator

Loan Calculator

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*This calculator is a self-help tool and the information provided is for illustrative purposes only. Actual payments and terms may vary. Tax, title, and other fees not included. This is not an offer of credit. All applicants subject to credit approval and not all applicants will qualify.

Calculate your 4x4 ATV
Loan Payment

Use our 4×4 ATV Loan Calculator to see how a monthly payment fits into your budget. Play around with loan terms, estimate the cost of your 4×4 ATV financing, and apply to Roadrunner Financial with no impact on your credit score. To estimate your monthly loan payments, select:

Let's Break it Down

Loan Amount

This can cover up to the total cost of the vehicle, and sometimes a little extra for parts and accessories. Start with the MSRP of your selected ride.

Interest Rate

Interest rates vary based on make, model, applicant, cosigner, and more. Start with our leading rate, 6.99%.

Loan Term

The amount of time to pay off your loan. When you choose a longer term length, your monthly payment is lower. If you choose a shorter term length, your monthly payment will be higher. Start with our most popular term, 60 months.

Get Prequalified

The calculator results will show your estimated monthly payment! Click “Get Prequalified Now” to see your monthly rate offers with no credit impact and no commitments.

4x4 ATV Loan Questions? Here to help!

What is the average price of a 4x4 ATV?

A new 4×4 ATV can run between $3,000 – $15,000, with the average price being about $8,000. Prices vary depending on engine size, performance, and additional features or accessories.

What’s the best 4x4 ATV loan term?

Loan term affects both your interest rate and monthly payment – when the term is longer, monthly payment is lower. Plus, certain terms will have certain rates available. The best 4×4 ATV loan term is the one with the right balance of time, rate, and budget for you! Our most commonly used loan terms are between 36 – 72 months.

What’s the minimum credit score to finance a 4x4 ATV?

We have relationships with over 40 OEM brands to cover buyers across the credit spectrum. Each program is different, but we can offer coverage with a minimum credit score of 550 FICO and coverage for those with little to no credit history. Submit an application to see what’s available to you – with no credit impact!

How are 4x4 ATV loan interest rates calculated?

We look at more than your credit score when calculating your rate offer. But, a good rule of thumb is to expect our lowest rates under our prime program, which covers FICO scores of 660 and above. Our non-prime credit builder programs can offer coverage from a 550+ FICO score. The final interest rate is also determined by the vehicle being purchased, the chosen loan terms, and any prime rate promotions we may be running.

I want to get prequalified, does applying hurt my credit?

Nope! We’re able to pre-qualify you for financing without any credit impact. We’re one of the only 4×4 ATV lenders with soft credit pulls. That means our application will initiate what’s called a “soft inquiry” on your credit, which does not impact your credit score. The only time we’ll do a hard inquiry is when you are ready to sign your contract.

New & Used
4x4 ATV Financing

We offer financing on over 25,000 new and used 4×4 ATVs, side-by-sides, motorcycles, dirt bikes, snowmobiles, zero turn mowers, golf carts and more.

Check My Rate

No commitment. No impact on credit score.

Finance with ease— no matter your credit score.

We welcome everyone across the FICO score range to check if they pre-qualify for financing – from subprime to prime. Check your rate online and get an instant decision.

Check My Rate

No commitment. No impact on credit score.

How does it work?
It’s simple.

GET PREQUALIFIED​

Complete a quick application and get an instant prequalified credit decision. No commitments. No impact on credit score.

REVIEW RATES & TERMS​

You’ll see real terms and monthly payments. Compare your personalized financing offer and choose what’s right for you!

SECURE YOUR NEW RIDE​

Take your prequalified credit offer to a local dealership, test-drive the vehicle, complete and sign your paperwork electronically, and they’ll hand over the keys!

Apply for Popular Makes

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