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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply

Listerhill Credit Union (en-US)

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ATV & UTV Loans

ATV & UTV Loans

Powerful financing for the ride of your life.

Gather your crew and escape the crowds with a go-anywhere ATV or UTV. With our great financing deals on both new and used vehicles, the great outdoors is closer than you think.

Check out these great features on our ATV and UTV loans:

  • Low interest rates
  • Repayment terms to fit your budget
  • Fast application process
  • Borrow 100% of the vehicle cost*
  • No application fees — ever!

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
View Rates
ATV & UTV Loans

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
MAKE TRACKS WITH THE OFF-ROAD VEHICLE YOU’VE ALWAYS WANTED
New & Used Vehicles

Get the four-wheeler you want. We finance both brand-new and used ATVs and UTVs.

High Revs, Low APRs**
You’ll pay less in interest over the term of your loan with our hard-to-beat rates.
Convenient Applications

Apply for an ATV or UTV Loan online, in a branch, by telephone, or on-site at a participating dealership.

Full-Value Financing
Finance the full cost of your vehicle with no down payment required from well-qualified borrowers.
Waived Maintenance Fee
Enjoy no Maintenance Fee with your Listerhill membership while your loan is open.
Easy Payment Options

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Get Into Gear for Adventure With an ATV or UTV of Your Own

It’s hard to beat the exhilaration of taking on the terrain in an ATV or UTV. We’ve made it easier to experience the freedom of offroading with loans that cost less to apply for and save you money over time.

Make the most of our great rates. Choose a new or used vehicle loan term that works with your budget:

  • 60-84 months on new & used ATVs/UTVs valued over $10,000
  • 60-74 months on all other new ATVs/UTVs
  • 60 months on all other used ATVs/UTVs

Go where you want to go on a new or used off-road vehicle of your own. Apply for an affordable Listerhill Credit Union ATV loan today!

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
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Listerhill Credit Union ATV Loan Interest Rates

Recreational Loans
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 9.49% 84 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.49% 72 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.24% 60 Months
New Motorcycle or ATV/UTV as low as 8.99% 72 Months
New Motorcycle or ATV/UTV as low as 8.24% 60 Months
Used Motorcycles or ATV/UTV as low as 8.74% 60 Months
New Motor Homes as low as 9.24% 180 Months
New Motor Homes as low as 8.74% 120 Months
New Motor Homes as low as 8.25% 84 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.74% 180 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.24% 120 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.25% 84 Months
Used Travel Trailer or 5th Wheel as low as 9.74% 180 Months
Used Travel Trailer or 5th Wheel as low as 9.24% 120 Months
Used Travel Trailer or 5th Wheel as low as 8.74% 84 Months
Used Travel Trailer or 5th Wheel as low as 8.25% 72 Months
New Boat as low as 9.49% 180 Months
New Boat as low as 9.24% 144 Months
New Boat as low as 8.99% 120 Months
New Boat as low as 8.04% 84 Months
New Boat as low as 7.74% 72 Months
Used Boat as low as 10.49% 180 Months
Used Boat as low as 10.24% 144 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.99% 120 Months
Used Boat as low as 8.74% 72 Months
Used Boat as low as 7.74% 60 Months
New Waverunner or Personal Watercraft as low as 8.54% 84 Months
New Waverunner or Personal Watercraft as low as 8.24% 72 Months
Used Waverunner as low as 9.50% 72 Months
Effective 4/1/2026

All rates and terms are subject to change without notice. Additional terms may be available. See a member advocate for more details.

Apply for Your ATV or UTV Loan in 3 Easy Steps

Step

1

Apply Online
Click the button below to complete your online application.

Step

2

Accept Your Pre-Approval Offer
Agree to the loan amount, rates, and terms offered.

Step

3

Take to the Hills
Use your check to buy your ATV or UTV and get ready to head off-road!

Get Started

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply

★★★★★

“I have been with Listerhill Credit Union for over 15 years and I do not have a bad thing to say about them. They are great people to work with and to do business with. A big thumbs up!”

— Douglas O., Haleyville, AL

 

ATV/UTV Loan FAQs

  • Is it hard to finance an ATV?
    Getting financing for an ATV usually isn’t hard if you have fair to good credit and a steady income. Affordable ATV loans are available from Listerhill Credit Union. The best loan terms are available to borrowers with the highest credit score. Choosing a shorter loan term or putting money down can make approval easier. Use our ATV/UTV loan calculator to determine the best monthly loan payment for you.
  • What is a good interest rate for an ATV loan?
    Interest rates for ATVs are influenced by overall market conditions, as well as the value of the vehicle being financed and the creditworthiness of the borrower. In general, the higher your credit score, the lower the rates you may qualify for. While the price of the ATV affects the total loan amount, interest rates are driven primarily by credit profile and loan terms—not price alone. New ATVs often qualify for lower rates than used models, since used vehicles are considered higher-risk collateral. Listerhill currently offers interest rates on ATV loans ranging from 7.24% to 8.49% APR.
  • Can I get a loan for a four-wheeler?
    Yes, lenders, including Listerhill, offer loans on new and used ATVs.
  • What credit score do I need to finance an ATV?
    Lenders look at several issues when deciding whether to extend financing for an ATV, including your credit history, but also the type of vehicle being financed, the size of the loan being requested, and the amount of money you can put down. That said, the minimum credit score for an ATV loan usually falls between 580 and 600, with better terms available for those with scores of 660 or above. These are generalizations, and approvals do vary on a case-by-case basis.
  • Can I get a loan for a side-by-side?
    Yes, lenders do extend credit for you to purchase a UTV or side-by-side. Talk to us about Listerhill Credit Union’s UTV loan rates.
  • What is the average term of a side-by-side loan?
    Financing terms for side-by-sides are similar to those for ATVs and motorcycles, with the amount of time to pay off your loan depending on the value and condition of the vehicle and your creditworthiness. Listerhill currently offers interest rates on side-by-side loans between 7.24% and 8.49%.
  • What does Annual Percentage Rate (APR) mean?

    The Annual Percentage Rate or APR represents the total annual cost of your loan, including both the interest rate and any applicable fees. It provides a full picture of what you’ll actually pay over the life of your loan. When comparing loan offers, the APR makes it easier to determine which option is the best fit for your budget, as it considers all the costs associated with the loan instead of just looking at the interest rate.

Additional Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Whats It Worth
What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

View Calculators
Participating Dealerships
Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Find A Dealership Near You
Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

© 2026 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Will this upgrade affect my Online or Mobile Banking?

    Not at all. Those services remain unchanged.

  • What if I forget my code?

    We can verify your identity and easily reset it for you.

  • Will I still be able to speak with a representative?

    Absolutely. Our Support team are still available just as before - the new system simply connects you to them more quickly and securely.

  • How do I set up my code?

    Our Support team can help you set it up during your first call to the new system, OR you can call Automated Access at 256-381-5555 to set it up anytime.

  • What is an Automated Access Code?

    A four-digit code that verifies your identity when you call. It also lets you use our Automated Access service 24/7, 365 days a year.

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