Category guide
Powersports financing
Powersports financing is a secured loan for a motorcycle, ATV, snowmobile or dirt bike — arranged through the dealership or a specialist lender, and secured by the machine itself.
What powersports financing covers
Powersports financing is a loan secured against a recreational machine — a motorcycle, ATV or UTV, snowmobile, or dirt bike. Like an auto loan, the vehicle is the collateral, and the term is usually shorter than a car loan. Both new and used purchases can be financed.
Dealer versus specialist lender
Dealerships arrange financing on-site for convenience, often through finance-company partners. Specialist powersports lenders and credit unions may offer better rates to strong applicants. Used and older units typically carry higher rates because they depreciate quickly.
How to compare and borrow smart
Compare the APR and total cost, not just the monthly payment, and keep the term shorter than the machine's useful life. Confirm insurance requirements before you ride. Use the directory to compare powersports dealers and lenders near you by rating.