First, how much do you expect to spend on your ATV?
Four Wheelers With Bad Credit
So, you need, or at least want a four wheeler and have bad credit. We can help you with that because we can get you access to a vast group of online lenders that may be able to get you an approval for four wheeler financing.
We ourselves are not lenders and that should work out well for you. With a single lender, you have to meet one set of requirements. With a larger group of lenders, you have more sets of requirements. That means that you may be able to get approved when a single direct lender turned you down.
So, are you ready to get started and get your offer for a four wheeler? Here is how it is going to work.
Getting Your Bad Credit Loan Offer
It is a simple process to get a quote from one of the lenders in the group and there is no obligation to simply get a quote. Here is what you need to do to get your ATV financing offer.
First, head back up to the top of the page and fill out the form. You will first enter how much you need for a 4 wheeler and then enter some personal information such as your address and income source.
Once you have entered your information, you can submit it to the online lending group and await your answer. Yes, there will be a credit check, but some of our lenders use alternative credit checking services. There is no such thing as no credit check financing, but people are approved all the time with bad credit.
If approved for a 4 wheeler loan, a single lender will make you an offer and you will be directed to their website to see the details. Take the time to make sure that you know all of the terms and costs associated with the loan.
If you should decide to accept your offer, your lender will send money directly to your account. You can then shop for your new ATV as a cash buyer. You can then get the exact model of ATV that you want.
Buying Your ATV
As a cash buyer, you can choose any model that you like and there is a huge variety of machines to choose from. Anything from a classic four wheeler to a road ready Can-Am.
Kawasaki is a long time player in the game with some powerful machines, a Kawasaki ATV is hard to beat. If reliability is what you want though, a Honda ATV might be worth the price. Their machines are known for years of reliable service.
Another popular option is the Polaris brand. They have a wide range of models to choose from and a number of different CC engines to choose from. They can get quite expensive though, as can any good brand.
Next look at the Yamaha ATV. It is a tough workhorse of a machine that will be trouble free for years.
Electric options are another possible use for your ATV financing. If you just want a vehicle to get around your land, consider something simpler like a golf kart. The cost of ownership will be less and you can move 2 to 4 people around.
Benefits To Online Loans
There are a number of benefits to getting an online loan from one of the lenders on our site. Take a look at some reasons to get your offer for a cash loan that you can use for four wheeler or side by side financing.
Easier Approval
If you have ever applied directly at a power-sports dealer, you know that it can be tricky getting approved if you have bad credit. It usually takes at least a fair to good rating to get an approval.
The lenders that we give you access to however are used to working with bad credit. They may be able to get you approved even if you have bad credit. So, if you have been turned down in the past, it may be worth your tie to give it another shot.
You Would Be A Cash Buyer
If you get approved at a dealer, you would have to shop at that particular lender. That gives you less room to negotiate and get the best deal. You would essentially be a captive buyer.
If, on the other hand, you are approved and accept a loan from a lender in our lending group, you would become a cash buyer. They deposit your loan money directly into your account. Being a cash buyer allows you to negotiate prices between dealers and get the exact model and brand of four wheeler that you want.
In addition, having cash in hand would allow you to shop the used market. Get a 4 wheeler slightly used and save hundreds and even thousands of dollars. Use the extra money to buy some camping gear or maybe a Yeti cooler for your adventures.
It Is Convenient
We do everything online, so who wants to go to a dealer and fill out a finance information. You can get an offer here in just a couple of minutes. Plus, there is no obligation and no salesman trying to convince you to take the deal.
Also, if you have bad credit, you know that approval for four wheeler financing is not guaranteed. Even here, you may not be able to qualify for a loan. That being said, it is far more humiliating to get turned down in person and have to do the walk of shame out of the dealership.
The Final Call On Your 4 Wheeler Loan
In the end, if you get an approval for a four wheeler loan, it is up to you to decide whether or not to accept it. Not every powersports loan is a good one and an ATV is almost certainly not a necessity, unless it is something like a mobility scooter that you must have.
Look at the total cost of the loan and make sure that it is not too high. Also make sure that you can afford the loan payment without any undue financial burden on your budget.
