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Sat: 9:00 am – 2:00 pm
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All Terrain Vehicle Loans
When the end of the road is just the beginning.
UCCU provides low rates and flexible terms on every ATV and UTV loan.
Are you dreaming of hitting the trails or tackling tough jobs with a new ATV or UTV? Financing your off-road adventure has never been easier with UCCU’s specialized ATV and UTV loans. With low rates, flexible terms, and up to 100% financing, UCCU is here to make your off-road dreams a reality.
Why Choose UCCU for Your ATV and UTV Loan?
At UCCU, we understand the importance of having the right vehicle for your lifestyle—whether for recreation or work. We offer competitive rates and terms designed to fit your budget. Our loans include:
- Low Rates: Guaranteed to keep your monthly payments affordable.
- Flexible Terms: Financing options for up to 72 months to give you control over your repayment plan.
- Up to 100% Financing: Cover the full cost of your ATV or UTV purchase, whether new or used.
With these benefits, you can shop confidently, knowing you’re getting the best deal possible. Plus, our loan specialists are ready to assist you every step of the way, ensuring a smooth and hassle-free process.
Pre-Approval: Your First Step to Adventure
Before shopping for your ATV or UTV, get pre-approved with UCCU. Our streamlined pre-approval process ensures you’ll know your financing options upfront. This means:
- Peace of Mind: Shop confidently, knowing your budget and interest rate.
- Faster Purchase Process: Your financing is ready to go once you find the perfect vehicle.
- Expert Guidance: A UCCU Auto Buying Expert can help you navigate your options and secure the best deal.
Pre-approval isn’t just convenient—it’s empowering. Knowing your financial limits and securing a low interest rate before you shop allows you to focus on finding the right vehicle without worrying about surprises.
Ready to Start Your Journey?
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An ATV isn’t just a toy; it’s a gateway to memories that last a lifetime. You can begin your adventure today. Contact us to learn more, or apply now and take the first step toward owning the ATV or UTV of your dreams.
So you can shop with confidence, knowing you’re getting the best deal!
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday hours vary per Branch Location
How to Apply for an ATV or UTV Loan
Applying for a loan with UCCU is simple and convenient. Here’s how it works:
- Complete Your Application: Visit a UCCU branch or apply online. Provide basic information about your finances and the vehicle you want.
- Get Pre-Approved: Our team will review your application and provide you with a pre-approval decision.
- Start Shopping: Use your pre-approval to shop for the ATV or UTV of your dreams confidently.
- Finalize Your Loan: Once you’ve selected your vehicle, we’ll finalize the loan details and get you ready to ride.
Whether you’re buying from a dealership or a private seller, UCCU’s flexible loan options and expert support make the process easier. And if you’re considering a used ATV or UTV, our financing applies to pre-owned vehicles, giving you even more choices.
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Meet Your ATV Buying Expert
Let a seasoned loan professional help with your buying experience from start to finish. It’s what we do!
Low Rates & Long Terms
UCCU offers competitive, low interest rates on ATV and UTV loans, ensuring your monthly payments stay affordable. With these low rates, you can save money over the life of the loan, making it easier to manage your budget. Our rates are guaranteed, so you’ll know exactly what to expect upfront.
Flexible Terms Up to 72 Months
We offer flexible loan terms of up to 72 months, allowing you to choose a repayment plan that fits your financial situation. Whether you prefer shorter or longer terms, we allow you to select what works best for your budget, giving you greater control over how you repay your loan.
Up to 100% Financing Available
With UCCU’s ATV and UTV loans, you can secure up to 100% financing, covering the full cost of your new or used vehicle. This means you don’t need to worry about coming up with a large down payment. You can finance the purchase and get on the road or trails immediately.
Why Finance Through UCCU?
UCCU offers more than just loans. We provide the tools and resources you need to make smart financial decisions. We want you to be able to focus on enjoying your new ATV or UTV. With UCCU, you’re not just getting a loan—you’re getting a partner invested in your adventure.
UCCU members also enjoy exclusive benefits, including financial planning resources and personalized advice. Whether this is your first loan or one of many, we’re here to ensure your experience is positive and rewarding.
Owning an ATV or UTV is an investment in the life you are building and a lot of fun. With UCCU’s low rates, flexible terms, and expert support, financing your off-road vehicle is simple and stress-free. Don’t let financing stand in the way of your next adventure. Apply for an ATV or UTV loan with UCCU today and explore the possibilities!
Frequently Asked Questions
What minimum credit score is required to apply for an ATV or UTV loan?
UCCU evaluates multiple factors when reviewing loan applications, including your credit score. While a specific minimum score is not publicly stated, having good to excellent credit will typically qualify you for the best rates. We encourage you to apply and see what options are available, as we work with members to find financing solutions.
Can I finance a used ATV or UTV?
Yes, UCCU provides financing options for new and used ATVs or UTVs. Whether you purchase from a dealership or a private seller, we offer up to 100% financing to cover the entire vehicle cost, making your off-road adventure more accessible.
How long does it take to get approved for an ATV or UTV loan?
The approval process with UCCU is quick and straightforward. Once you submit your application online or in person, most applicants receive a decision within minutes. You can even get pre-approved before shopping, which speeds up the purchasing process once you find the right vehicle.
Can I refinance my existing ATV or UTV loan with UCCU?
Absolutely! If you have an existing ATV or UTV loan, UCCU can help you refinance to lower your interest rate or adjust your repayment terms potentially. This can help save money or make monthly payments more manageable. Contact us to discuss refinancing options that suit your needs.
What is the loan term for an ATV or UTV loan?
UCCU offers flexible loan terms of up to 72 months, giving you control over your repayment plan. Whether you want shorter terms for quicker payoff or longer terms for lower monthly payments, we can match your budget and preferences.