All-Terrain Vehicle (ATV) Loans
Choose your own path with robust off-road vehicle financing from Bowater Credit Union. Apply NowATV Loan Rates as low as
6.99% APR*
Make Tracks to Bowater for Better ATV Financing
Take the road less traveled with confidence, backed by reliable off-road vehicle financing from Bowater Credit Union.
Great RatesOff-road adventure costs less with our hard-to-beat loan rates. |
New and Used EquipmentCompetitive financing for both new and pre-owned ATVs and UTVs. |
Flexible TermsChoose a repayment term that works for you from 36-60 months. |
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Great Rates
Off-road adventure costs less with our hard-to-beat loan rates.
New and Used Equipment
Competitive financing for both new and pre-owned ATVs and UTVs.
Flexible Terms
Choose a repayment term that works for you from 36-60 months.
No Application Fees
There’s no charge to apply. Find out your likely rates and terms at no cost.
Rough Riding. Smooth ATV Financing
Adventure starts where the road ends. We offer flexible, affordable financing for ATVs and UTVs. Whatever you’re riding, Bowater Credit Union is here to help you explore off the beaten track with our easy application process and rapid loan approvals.
ATV loan features include:
- Competitive rates starting as low as 6.99% APR* for new ATVs and 7.49% APR* for used models
- Flexible terms, with 60 months being the most common (other options available to fit your budget)
- Fast, local decision-making from an experienced lending team that understands your needs
- Flexible down payment options based on your loan and collateral
- Refinance options available to help lower your payments, reduce your rate, or pay off your loan sooner
Ready to leave ordinary ATV financing behind? Click below to get started.
How to Apply for an ATV Loan
Apply Online
Apply for an ATV loan online in minutes, or visit one of our branches for assistance if you prefer.
Accept Offer
Review your loan details, confirm your terms, and sign to finalize.
Get Your Check!
Once approved, we’ll provide you with the funds so you can purchase your new or new-to-you ATV..
★★★★★
“I’ve been a member for over 25 years, and I have been more than satisfied with their service!”
– Bobbi, Athens, TN
Why Choose Bowater CU?
Bowater Credit Union is a member-owned, not-for-profit cooperative serving the people of southeastern Tennessee.
Since 1954, members have trusted us for quality financial products, great customer service, and practical financial guidance. Today, we offer a full range of services through Online & Mobile Banking or in person at any of our five convenient locations.
Whether you’re financing a new or used ATV, a car, or even a home, you can expect competitive rates, flexible terms, and local loan servicing from people who know you.
FAQs About Off-Road Vehicle Loans
What types of vehicles qualify for an ATV or powersport loan?
Bowater extends ATV or powersport financing to four-wheelers, UTVs or side-by-sides, as well as personal watercraft like Jet Skis and Waverunners.
Can I finance both new and used ATVs or UTVs?
Yes, we offer financing for both new and used ATVs, including four-wheelers and UTVs (side-by-sides). Rates and the available loan terms will, however, differ for new and used vehicles.
What are the available loan terms for ATV financing?
Bowater Credit Union typically finances new or used ATVs for anywhere between 36 and 60 months, although most loan terms are shorter than 48 months.
Do ATV loans have fixed or variable rates?
Our ATV loans feature fixed interest rates and convenient monthly payments, so your payment stays predictable over the life of the loan.
Can I refinance an existing ATV loan with Bowater Credit Union?
Yes. You can refinance an existing ATV loan from another lender to lower your rate or monthly loan payments, reduce your loan amount, or shorten your term.
Do I need to be a member to apply for an ATV or powersport loan?
Yes, membership is required. You may be eligible if you live, work, worship, or go to school in Bradley, McMinn, Meigs, Monroe, or Polk County; if you’re a family member of a current member; or if you work for one of our partner companies.
Explore Other Loan Options
RV Loans
Turn weekends into road trips. Our RV loans help you finance the camper or motorhome you want—without the hassle.
Boat Loans
Cast for adventure with our low-rate boat loans. We’ll get you out on the water for less with affordable watercraft financing.
Personal Loans
Meet your own needs or unexpected expenses with our flexible personal loans designed for your financial comfort.
*Annual Percentage Rate. Terms and conditions apply. Subject to credit approval
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score