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Off-Road Vehicle Loans

Nice Trails.
Rough Trails.
No Trails.

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ATV & UTV Loan Rates as Low as 4.99% APR* through May 11!

When you’re ready for earlymornings, open land, and taking the long way home, get ATV and UTV loan rates as low as 4.99% APR!* 

*4.99% Annual Percentage Rate (APR) available for new or used other titled property such as ATV/UTV, golf cart, or jet ski purchases and refinancing, of non-Radiant Credit Union loans, with terms up to 72 months. Must be current model year or previous calendar year. For refinances, NADA value must be available. Rate effective as of May 1, 2026, and available through May 11, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $18,163.70 new ATV loan with no money down at a rate of 4.790% for 72 months would require 71 monthly payments of $290.81 and a final payment of $290.19, finance charge of $2,874.00, for a total of payments of $20,937.70. The amount financed is $18,063.70 with an APR of 4.987%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available.

ATV and UTV Loans

Nice Trails. Rough Trails. No Trails.

They say, “work hard and play hard.” So, why not make the most of your outdoor fun with the off-road vehicle you’ve been thinking of. Get ready to have some fun in the ATV and UTV you’re ready for, and let Radiant help you with the flexible financing to fit your budget.

Hit the trails without breaking your budget with Radiant’s easy application and quick loan decision making. Apply today to get started enjoying the great outdoors how you want to.

Radiant Off-Road Vehicle Loan Features:

  • Quick online applications

  • Fast approval decisions

  • Great low rates

  • Flexible loan terms up to 72 months

  • Maximum loan amount is $30,000

  • No loan application fees

  • No pre-payment penalty

Off-Road Vehicle Loan Benefits

 

GAP Insurance

Guaranteed Asset Protection (GAP) Insurance protects your loan in the event of an unfortunate accident.

Learn more from our blog post here or contact a Radiant Member Service Representative for more information.

Mechanical Breakdown Protection

MBP can help with new and used vehicles, as well as the one you already own.

Please contact a Radiant Member Service Representative for more information.

Debt Protection

Debt Protection helps relieve the financial stress and worry related to making payments when your life takes an unexpected turn. 

Please contact a Radiant Member Service Representative for more information.

Disclosures

*Rates subject to change without notice. Other rates and terms available. Offers are for standard ATV, UTV and other similar vehicles. For vehicle refinance eligibility, a NADA value must be available. Radiant Credit Union is federally insured by the NCUA.

Our Members are Talking

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.
five stars

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne
five stars

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.
five stars
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