Financing ATVs/UTVs

brownhounds · Sep 15, 2017

I am looking at getting either a Honda recon or a linhai Yamaha. Which one would you go with? What are the financing terms.....how many years? What payments are expected with a 650+- credit score?

I don't know much about the linhai, but it costs $4999. That is half as much as the Polaris.

BeerThirty · Sep 15, 2017

I think they can get really creative with ATV loans. Have a buddy who was dead set on getting a Sportsman 500, problem was he was broke as all get out, still lives with his parents. I about spit my beer out when he told me he was still paying for it... Said he financed it on a 10-yr loan...

GoldDot40 · Sep 15, 2017

You might wait another month...or at least until "shopping season" is officially under way. You might find some good financing promotions. I bought a brand new Honda ATV 3 years ago....Just paid it off actually. Got 0% financing for the duration of the loan through Honda.

PappyHoel · Sep 15, 2017

GoldDot40 said:
You might wait another month...or at least until "shopping season" is officially under way. You might find some good financing promotions. I bought a brand new Honda ATV 3 years ago....Just paid it off actually. Got 0% financing for the duration of the loan through Honda.

I didn't know they did that. That's not a bad idea.

naildrvr · Sep 15, 2017

You can finance just about anything now. If you can get 0%, go for it. Don't use your money if you can use someone else's for free. I bought my zero turn that way.

mattech · Sep 15, 2017

Check out southern. Honda in Chattanooga, you won't be there thier prices

T-N-T · Sep 15, 2017

mattech said:
Check out southern. Honda in Chattanooga, you won't be there thier prices

He means beat.
That's the cheapest dealer on Honda in the southeast. Proven over and over

Old Crusty · Sep 26, 2017

0% is not free money. If you make a cash offer you will get it $100's if not $1000's less than financing at 0%. They get their money one way or another.

KyDawg · Sep 26, 2017

Aint none of my business, but I would save up til I could pay cash for it. But that is just me.

NE GA Pappy · Sep 26, 2017

KyDawg said:
Aint none of my business, but I would save up til I could pay cash for it. But that is just me.

yep, 4 wheeler is a lifestyle item. Borrowing for lifestyle is not the best option available.

hayseed_theology · Sep 26, 2017

KyDawg said:
Aint none of my business, but I would save up til I could pay cash for it. But that is just me.

NE GA Pappy said:
yep, 4 wheeler is a lifestyle item. Borrowing for lifestyle is not the best option available.

x3

If it's not providing income, you are paying interest on a luxury item that is depreciating.

Spotlite · Sep 26, 2017

NE GA Pappy said:
yep, 4 wheeler is a lifestyle item. Borrowing for lifestyle is not the best option available.

Unless you're in a situation to where you need an aging account. A 4 wheeler would not be a considerable amount of debt to add in order to add an aging account. I thought about financing a side by side because I only have one account now, my house. But I am still not convinced to finance just yet. Sort of hurts you if you dont use your credit.

GoldDot40 · Sep 26, 2017

When i bought...1st thing I offered was cash. Said the price didn't change. So instead of writing such a big check that day, I just spread it out....AND it helped my credit even more.

Bought my zero turn mower the exact same way. Zero down....same as cash during the promo.

brownhounds · Sep 27, 2017

Thanks for the advice. But, I was able to get my recon up and going. So, she'll get me by until I pull the trigger on a side by side. I am leaning towards a side by side so I can hunt, and farm out of it.

Financing ATVs/UTVs

brownhounds

Banned

BeerThirty

Senior Member

GoldDot40

Senior Member

PappyHoel

Senior Member

naildrvr

Senior Member

mattech

Deranged Throat-Puncher

T-N-T

Senior Member

Old Crusty

Senior Member

KyDawg

Gone But Not Forgotten

NE GA Pappy

Mr. Pappy

hayseed_theology

Senior Member

Spotlite

Resident Homesteader

GoldDot40

Senior Member

brownhounds

Banned

Similar threads

Latest posts

Share this page