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ATV Loans

Unleash Your Adventurous Spirit With an All-Terrain Vehicle (ATV) Loan from PDCU

Apply for an ATV Loan

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.

Loan Rate Discount¹

ATV Loan Rates as Low As

7.69%¹ APR*

¹Take advantage of a 0.25% discount when you enroll in autopay, already factored into the “as low as” rate. This discount applies to those who set up automatic payments from a People Driven Credit Union checking or savings account.

Payment Example: Monthly payments of $20.13 for each $1,000 borrowed at 7.69% APR for 60 months.

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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.

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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.

Get Pre-Approved

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

APR*


as low as¹

 7.69% 8.80% 9.10% 9.60%

 

 

Calculate Your Monthly ATV Loan Payment

Loan Amount
$
Rate
%
Term Months
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Use of a calculator is not a guarantee of credit and is a estimate.

Frequently Asked Questions

Absolutely. We offer financing options for both new and pre-owned ATVs. Terms and rates may vary based on the vehicle's condition and age.
Yes, our pre-approval process lets you know your borrowing power before you start shopping for your perfect ATV.
Our ATV loans cover a variety of all-terrain vehicles, including four-wheelers and quad bikes, designed to enhance your off-road adventures.
Our application process often provides pre-approval decisions quickly, and final approval typically takes just a few days once all documentation is submitted.
Yes, enrolling in autopay may qualify you for a rate discount, reducing the overall cost of your loan. Check with our team for current promotional details.
A down payment may be needed, depending on your credit profile, the value of the vehicle or watercraft, and the specific loan structure. While not always required, a down payment can lower your monthly payments and the total amount of interest paid. Our representatives will guide you through the requirements. Call 248-263-4100 to speak with a PDCU loan officer.
Loan terms are flexible and can be tailored to fit your financial situation. At People Driven Credit Union, loan terms for recreational vehicles such as ATVs, motorcycles, boats, snowmobiles, and campers generally range from 12 to 180 months. Longer terms can lower monthly payments but may result in higher total interest paid.
Interest rates vary based on factors like your credit score, loan term, and the age of the vehicle or watercraft. People Driven Credit Union offers competitive rates to make financing accessible and affordable for our members. Call 248-263-4100 to speak with a PDCU loan officer about the loan rate you can expect.
Yes! All eligible loans can be skipped once per calendar year for a fee of $35. To learn more about how it works, visit our Skip-a-Payment page. Please note that Fresh Start Auto Loans, PD Quick Cash Loans, Lines of Credit, Mortgages, Commercial Loans, and Credit Cards are excluded.
  1. To make a payment via online banking with funds already in your account, login to the MyPDCU Online Portal or use the MyPDCU app, and select 'transfers'. Select where you want to transfer from and which loan you would transfer to.
  2. Call iTalk (telephone teller) at 844-700-7328 to make your payment. Select Option 2 to make a payment.
  3. To make a payment with a debit/credit card, call (248) 263-4100.
  4. 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.
  5. 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.
  6. You may also mail in a check payable to People Driven Credit Union, 24333 Lahser Rd, Southfield, MI 48033

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 $20.13 for each $1,000 borrowed at 7.69% APR for 60 months.

Rates are higher if older than 10 years. ATVs 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.

Membership Requirement:

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:
  • A valid Driver's License, State ID, or Passport with your current address
  • Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. Your $5 deposit into this account secures your share in the credit union, giving you access to our full range of services and benefits. The Annual Percentage Yield (APY) for this account is 0.01%, and the minimum deposit is $5.00.