APR=Annual Percentage Rate.  ATVs and offroad vehicles over two model years old or over 15,000 miles are considered used. All loans subject to approval. Membership eligibility required.
 APR=Annual Percentage Rate.  ATVs and offroad vehicles over two model years old or over 15,000 miles are considered used. All loans subject to approval. Membership eligibility required.
The great outdoors is calling, and we're here to help you answer the call. Whether you're looking for a Honda, Yamaha, Polaris or other model financing, we'll work to get you into the great outdoors as soon as possible!
We know that every second and every penny counts. That's why we keep our process simple and our decisions local—so you can start having fun sooner!
ATVs and UTVs can depreciate in value quickly—sometimes quicker than you can pay off the loan. This could leave you on the hook financially if your new vehicle is totaled or stolen and not recovered. Ensure you are covered by signing up for GAP.
Our MEMBER'S CHOICE® Guaranteed Asset Protection (GAP) Plus coverage includes $1,000 towards your down payment on a replacement vehicle when financed by CCCU within 60 days after your primary insurance company issues a settlement check.
Be sure to ask about GAP when you apply for your CCCU loan to learn how this coverage can protect you and your family.
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ATV financing is similar to financing a car or motorhome. You’ll get a loan term, from one year up to six years, where you pay off the cost of your ATV in monthly installments, plus interest and any fees.
When you consider financing an ATV or motorcycle, take advantage of CCCU’s flexible lending period, as long as 72 months (or six years).
Our finance terms for a UTV go up to 6 years, with 5 years as the most often recommended term. A 6-year term is normally recommended for loan amounts above $15,000.
To buy a new or used UTV, price out a few options you can afford. A UTV loan will typically require the VIN, mileage and accessories for the vehicle you plan to buy. Once the financing has been finalized, you will receive the money to buy the UTV you have selected.
The first step in getting a UTV loan with CCCU is to gather the following information. This process will include a credit score check and income verification:
Completing your loan application is easy. Apply online in minutes, visit a CCCU branch, or contact our Consumer Loans Team at 503.797.7561 or email@example.com.
Banks and credit unions offer conventional ATV loans for fixed periods of time, typically between 3–6 years, with fixed annual percentage rates. The APR will depend on your credit score, the loan term, ATV cost and the organization that is financing the loan.
Some financial institutions may also offer revolving loans. These loans are often easier to qualify for and have lower monthly payments. However, a lower payment means it takes much longer to begin paying down the principal on the loan. Additionally, a variable interest rate may mean your rate could go up or down during the loan period.
This is why conventional loans tend to make better financial sense for ATV owners, because the interest rate is locked in for the duration of their loan term and the owner knows when they’ll pay it off.