a boat in open water cruising off into a golden sunset

Whether you want to blast through the woods on an ATV or need to haul things around with a UTV, we’ve got the perfect loan for you.

With ATV or UTV financing from ALEC, you get low interest rates, flexible terms, and instant approval.

ATV and UTV financing options to fit your needs with rates as low as

2.74% APR*

The Benefits of our ATV and UTV Loans

Our ATV and UTV loans come with great rates and outstanding benefits. See how financing your vehicles with us make it easier than ever to live your dreams.

Competitive Low Rates

Up to 0.50% Loan Discount**

Immediate Loan Approval*

Up to 84 Month Terms***

Easy Repayment Methods

Zero Prepayment Penalties

ATV and UTV Loan Rates

ALEC is proud to provide outstanding rates and loan options to all members of our banking family.

Type Loan Terms APR* as low as
New & Used ATV & UTV

Up to 24 months


36 months


48 months


60 months


72 months


84 months***


Start Your Application Today!


Apply Online

Quick and easy online application with instant approval.


Sign Your Loan

Agree to the loan amount, rates, and terms.


Receive Funds

Receive your funds and use them to buy your next vehicle.

Apply Now

Essential Ways to Safeguard Your ATV or UTV

Additional insurance protection from ALEC is a smart financial move. It will protect you and your toys from the unexpected so that you can worry less and play more.

Credit Life & Disability Protection

Two affordable plans designed to ease the financial burden on you and your family in cases of injury, illness, or death.

Guaranteed Asset Protection

Waive all or part of your remaining loan balance in the event of an accident.

Auto & Home Insurance

Great insurance for your vehicle and home--with exceptional savings.

* All loans subject to credit approval.

** ALEC members will automatically earn a 0.50% APR loan discount if they are a new member applying for a loan within the first 60 days of membership OR if they are a returning ALEC loan member. Existing members that don't meet the above criteria earn the 0.50% APR discount with a $500 monthly direct deposit into an ALEC Checking account and enrollment in E-Statements.

*** 84 month loans are available with a minimum $25,000 loan amount.