Conquer the Trails with an ATV Loan
Whether you call them four-wheelers or quad bikes, our competitive rates and flexible terms make financing your next off-road adventure easy. From rugged trails to open fields, PDCU is here to help you explore the great outdoors. Discover our ATV rates and financing options today, and get ready to conquer any terrain.
Membership and eligibility requirements apply, with approval subject to application, credit, and vehicle considerations.
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Apply Online
Apply for your ATV Loan online.
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Get Pre-Approved
Find out what you'll be able to afford before shopping for an ATV.
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Apply in Person
Visit one of five People Driven Credit Union branches that are easily accessible around Metro Detroit and Southeast Michigan.
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Talk with an Expert
Our customer service representatives are standing by to help you.
No Payment for 90 Days* on ATV Loans
Embark on your next adventure with ease with our specialized ATV loans at People Driven Credit Union. We understand the thrill of the trail and are here to make your ATV dreams a reality.
Whether you’re cruising the backwoods in Michigan or working on the farm, our tailored loan options offer competitive rates and flexible terms to suit your needs. Get ready to start your journey today with PDCU’s ATV financing solutions!
Get Pre-Approved for an ATV Loan
Get pre-approved for your ATV loan with People Driven Credit Union and shop confidently. Instead of haggling over financing, focus on finding the perfect ATV.
With branches and ATMs easily accessible around Metro Detroit and Southeast Michigan, PDCU is your trusted partner for ATV financing.
ATV Loan Rates
Loan and financing rates for motor homes, campers, boats, motorcycles, ATVs and snowmobiles. Add 1.00% to applicable rate on loans with collateral that is 11 to 15 years old. PDCU may consider doing a loan with collateral that is older than 15 years (on an exception basis only), in which case 2.00% would be added to applicable rate.
Term(Months) |
≤60 |
61-84 |
85-120 |
121-180 |
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APR*as low as¹ |
7.59% | 8.70% | 9.00% | 9.55% |
Calculate Your Monthly ATV Loan Payment
Frequently Asked Questions
- New auto loans apply to brand-new cars, trucks, vans, and vehicles five years old or newer. They often have lower interest rates because new cars typically have better collateral value.
- Used auto loans apply to pre-owned vehicles older than five years; interest rates may be slightly higher since used cars have less value over time.
- Auto loans: These are for purchasing a new or used vehicle.
- Auto refinancing: You can replace your current auto loan with a new one, typically to get a lower interest rate or change the loan term.
- A valid ID
- Proof of income (like pay stubs or tax returns)
- Employment information
- Vehicle details (if you’ve already chosen one - the VIN #)
- Proof of insurance
- To make a payment via online banking with funds already in your account, log in and select 'transfers'. Select where you want to transfer from and which loan you would transfer to.
- Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
- To make a payment with a debit/credit card, call (248) 263-4100.
- Set up an auto-transfer from your People Driven account or attach an auto payment to your direct deposit that comes into your account. Give us a call at (248) 263-4100 or stop by any of our five branches.
- Have us set up an auto-payment from your other financial institution. Please call us at (248) 263-4100, and we can send you the proper form, or you may stop by any of our five branches.
- You may also mail in a check payable to People Driven Credit Union, 24333 Lahser Rd, Southfield, MI 48033
- Covers the difference between the outstanding loan balance and the actual value (determined by the insurance company) of the auto up to the max LTV.
- Covers total loss AND unrecovered theft
- May cover up to $1000 of the deductible if there is a gap after the insurance pays
Disclosures
**Certain limitations may apply. Please consult with a representative for further information. Loans are exclusively available for ATVs. Membership with the Credit Union is mandatory for loan disbursement. For 30, 60, or 90-day no-payment loans, interest will commence accruing upon loan disbursement and will be spread out over the subsequent monthly payments. Rates could be higher for older ATVs. APR may differ based on loan purpose, amount, term, and member’s credit score. A down payment may be required. Other terms and conditions are based on Loan to Value. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. 90-day no payment may be limited depending on term.
Payment Example: Monthly payments of $20.00 for each $1,000 borrowed at 6.55% APR for 60 months.
Rates are higher if older than 10 years. Motorcycles older than 15 years are financed on an exception basis only.
*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.
¹Special Loan Rate Discount: Benefit from a .25% reduction when enrolling in our autopay service, which is included in the “as low as” rate advertised. The discount is available to those who setup autopay of their monthly loan payment from a People Driven Credit Union checking or savings account.