Do you finance ATVs and side-by-sides?

Yes. We arrange financing on every category we sell — ATVs, side-by-sides, motorcycles, watercraft, boats and golf carts, new or pre-owned. Apply online and we will come back to you with terms, usually the same business day. There is no charge to apply and no obligation to buy.

Can I get financed with less than perfect credit?

Often, yes. We work with several lenders rather than one, which means a decline in one place is not the end of the conversation. A larger deposit or a trade-in strengthens an application considerably. Apply and we will tell you honestly where you stand rather than leaving you guessing.

What deposit do I need?

It depends on the lender, the unit and your credit profile. Ten to twenty percent is typical, and some approvals need nothing down. The payment calculator on our financing page lets you model different deposits before you apply.

Will applying hurt my credit score?

A full application is a hard credit inquiry, which can move a score slightly. Tell us if you would rather start with a pre-qualification conversation — we can talk through likely terms before anything is submitted.

Will applying hurt my credit score?

Starting a conversation here does not. We only run credit once you tell us to, and when we do it's a single submission to multiple lenders inside a short window, which the scoring models treat as one inquiry.

What credit score do I need?

There isn't a single cutoff. We place deals across the spectrum, including first-time buyers and rebuilding credit. The score affects your rate and the down payment we'll need, not whether we'll talk to you.

Can I roll my trade-in into the deal?

Yes, and it's usually the cleanest way to do it. We appraise the trade, pay off any outstanding finance directly, and apply the equity to your new unit.

Do you finance pre-owned units?

We do, on both units we sell and comparable machines. Terms on used inventory are typically a little shorter than new.

Financing

Make your next ride a reality

We're not tied to one bank. Your file goes to a panel of powersports lenders and we bring back whoever competes hardest for it.

Apply now Payment calculator

How it works

Four steps, most of them ours

You do about four minutes of work. We do the rest.

Tell us the basics

Four minutes, no social security number, no credit inquiry.

We shop your file

A finance manager takes your profile to our panel of powersports lenders.

You pick the terms

We come back with real offers so you can weigh rate against term.

Sign and ride

Paperwork happens at the store, usually in under half an hour.

Payment calculator

Run the numbers yourself

Drag the sliders. Every figure updates live, including total interest — the number most calculators quietly hide.

Vehicle price$15,000

Down payment10% · $1,500

Trade-in value$0

Interest rate (APR)8.99%

Loan term

Estimated payment

$280.17/mo

Amount financed: $13,500
Total interest: $3,310
Total of payments: $16,810

Apply for financing Value my trade

Estimates only. Excludes tax, title, registration and fees. Actual terms depend on lender approval and creditworthiness.

Get started

Start your application

This form starts a conversation — it is not a credit application and it will not trigger an inquiry. A finance manager reads it, calls you, and takes it from there.

Will applying hurt my credit score?: Starting a conversation here does not. We only run credit once you tell us to, and when we do it's a single submission to multiple lenders inside a short window, which the scoring models treat as one inquiry.
What credit score do I need?: There isn't a single cutoff. We place deals across the spectrum, including first-time buyers and rebuilding credit. The score affects your rate and the down payment we'll need, not whether we'll talk to you.
Can I roll my trade-in into the deal?: Yes, and it's usually the cleanest way to do it. We appraise the trade, pay off any outstanding finance directly, and apply the equity to your new unit.
Do you finance pre-owned units?: We do, on both units we sell and comparable machines. Terms on used inventory are typically a little shorter than new.

Common questions

Financing questions

Do you finance ATVs and side-by-sides?
Yes. We arrange financing on every category we sell — ATVs, side-by-sides, motorcycles, watercraft, boats and golf carts, new or pre-owned. Apply online and we will come back to you with terms, usually the same business day. There is no charge to apply and no obligation to buy.
Can I get financed with less than perfect credit?
Often, yes. We work with several lenders rather than one, which means a decline in one place is not the end of the conversation. A larger deposit or a trade-in strengthens an application considerably. Apply and we will tell you honestly where you stand rather than leaving you guessing.
What deposit do I need?
It depends on the lender, the unit and your credit profile. Ten to twenty percent is typical, and some approvals need nothing down. The payment calculator on our financing page lets you model different deposits before you apply.
Will applying hurt my credit score?
A full application is a hard credit inquiry, which can move a score slightly. Tell us if you would rather start with a pre-qualification conversation — we can talk through likely terms before anything is submitted.