ATV parked on mountain

ATV and UTV Financing at Peach State!

View Rates

Apply Today

Not a member yet? Check eligibility before applying.

Have a loan in progress? Check Application/Loan Status

Fuel Your Next Adventure

The great outdoors awaits! Whether an all-terrain vehicle (ATV) or a side-by-side UTV is on your shopping list, we want you to ride straight to Peach State for your ATV financing needs.

  • Low Rates Our low-cost loans will meet your needs.
  • Fast Turnaround Your loan stays local for faster funding.
  • Great Terms ATV and UTV loan terms fit the size of your purchase.
  • Fun Awaits! Get the most out of life, while paying the least.
Apply Now
Group ATV ride through forest

Calculate Your ATV/UTV Loan Costs

$${displayAmount}/mo

Your Info
Email Me Results
Success! Your calculator results have been emailed. Please fill all the fields.

ATV/UTV Loan Calculator

Find your perfect payment! Try a few different rates and terms to see what works for your budget and then email the results to yourself.

Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

icon-calc-item-house-v2

Low ATV/UTV Rates
Use the rate table below to see what your rate could be at a term that works for you! When you're ready, start your application.

icon-calc-item-sheet-v2

Local Decision-Making
With your lending team right here at Peach State, you'll get the answers you need quickly. Apply today.

Low ATV Financing Rates

Talk to our lending team today and get pre-approved before you head out to shop for your ATV/UTV. 

Apply Now

*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 48 months; estimated monthly payment of $30.50 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

ATV, UTV Loan Rates

Loan Term
APR* (as low as)
Loan Term
Up to 36 Months
APR* (as low as)
6.50%
Loan Term
37-60 Months
APR* (as low as)
6.50%
Loan Term
61-72 Months
APR* (as low as)
7.00%
Loan Term
73-84 Months
APR* (as low as)
8.00%
Effective September 19, 2023

*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 48 months; estimated monthly payment of $30.50 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

decorative chevron pattern
Friends ride ATV through lake

UTV & ATV FINANCING

Get the Most for
Your Money

What are you waiting for? Adventure is calling! Take a ride on your new ATV or side-by-side UTV today with affordable financing through Peach State.

  • Low rates
  • Automatic payment options
  • Get pre-approved to avoid over-spending at the dealer
  • Flexible terms for new or used vehicles
Apply Now
Three Practical Budget Templates
3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

Share Your Story
Bought a car and it was my best experience buying a car. The woman I worked with at the credit union found exactly what I wanted at the price I wanted and accomplished it in a timely manner.
 
- Glenda S.
 
I've been with Peach State for more than 25 years. Online banking is easy, applying for a loan is easy and quick, fraud detection team is on the ball, and questions and concerns are addressed quickly.
 
- Sheila B.
Staff are always polite and extremely helpful. Getting a loan was uncomplicated and a pleasant experience. 
 
- Diana M.

Frequently Asked Questions

These are a few of the commonly asked questions about Auto Loans.
For even more FAQs, check out our Member Knowledge Base.
Do I have to be a member to get a loan at Peach State?
Yes, membership with Peach State is required to qualify for a loan with us. Once you become a member, you’ll have a Savings Account opened in your name, which signifies your ownership stake in the credit union.
Read More
Do I need a down payment to purchase a vehicle?
Peach State does not always require a down payment for vehicle loans. Financing options are available for up to 100% of the purchase price.
Read More
Is there a loan application fee?
Yes, we do charge an application fee for consumer and Home Equity Loan applications.
Please refer to our fee schedule for the current consumer loan application and Home Equity Loan application fee.
Read More
Member Knowledge Base