atv &
utv loans
Make your own path.
ATV and UTV financing options that fit your needs.
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.
loan payment options
Making your loan payment should be simple and convenient. Whether you prefer to pay online, from your mobile device, in person, or by mail, ALEC offers a variety of secure payment options to fit your lifestyle.
Benefits of our ATV and UTV Loans Include:
Competitive Low Rates
Up to 0.50% Loan Discount1
Up to 125% Financing2
Instant Approval3
ATV & UTV Loan Rates
ALEC is proud to provide outstanding rates and term lengths to all members of our banking family.
| Type | Loan Term | APR* as low as2 |
|---|---|---|
| New & Used ATV & UTV 2019-2026 | Up to 24 months | 4.49% |
| 36 months | 4.49% | |
| 48 months | 4.99% | |
| 60 months | 5.24% | |
| 72 months | 5.49% | |
| 84 months4 | 5.99% |
Essential Ways to Safeguard Your ATV or UTV
Have questions? We're here to help.
* APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to credit history, term and other factors. Not all applicants will qualify for our lowest rates. Rates can change daily.
1. ALEC members who have a current loan with ALEC and are applying for a new loan will automatically receive a 0.50% APR rate discount. New loan members who do not have any current loans with ALEC must have an ALEC Checking Account (Free or Rewards) with $500 in direct deposit per statement cycle AND be enrolled in E-Statements to be eligible for the 0.50% APR discount. Discount is not valid on credit cards, mortgage, Personal Lines of Credit and Home Equity Line of Credit.
2. Your rate may be higher depending on your credit history, age of vehicle, term of your loan and services used. Maximum financing up to 115% MSRP for qualified borrowers.
3. All loans subject to credit approval. Rates subject to credit history, term, and other factors. Please allow up to 30 days for processing time.
4. 84-month and Extended Term Boat and RV loans are available with a minimum $50,000 loan amount.
5. Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
1. ALEC members who have a current loan with ALEC and are applying for a new loan will automatically receive a 0.50% APR rate discount. New loan members who do not have any current loans with ALEC must have an ALEC Checking Account (Free or Rewards) with $500 in direct deposit per statement cycle AND be enrolled in E-Statements to be eligible for the 0.50% APR discount. Discount is not valid on credit cards, mortgage, Personal Lines of Credit and Home Equity Line of Credit.
2. Your rate may be higher depending on your credit history, age of vehicle, term of your loan and services used. Maximum financing up to 115% MSRP for qualified borrowers.
3. All loans subject to credit approval. Rates subject to credit history, term, and other factors. Please allow up to 30 days for processing time.
4. 84-month and Extended Term Boat and RV loans are available with a minimum $50,000 loan amount.
5. Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.