Your days off are earned. Get the ATV you deserve.
Your days off are earned. Whether you’re riding the desert with your crew, exploring backcountry trails or bringing the family out for a weekend adventure, an ATV is how a lot of firefighters decompress and recharge. Firefighters First Credit Union is here to help you get there. We offer ATV financing with rates and terms built specifically for firefighters and their families, not the general public.
Why finance with Firefighters First Credit Union?
We’re a Credit Union built exclusively for the Fire Family. That means every product we offer, including our ATV loans, is designed with your financial well-being in mind.
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Same rate for new and used ATVs -
Flexible terms to fit your budget
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Up to 115%* financing available -
No hidden fees or surprises
Competitive ATV loan rates that don’t slow you down.
Competitive rates on new and used ATVs, with terms up to 60 months and up to 115%* financing on approved credit.
| Annual Percentage Rate (APR) as low as | Term (up to) |
|---|---|
| 7.49% | 60 Months |
Start your ATV loan application.
Tell us a bit about your ATV and what you’re looking for and our team will guide you through your financing options. It only takes a few minutes to get started and we’ll follow up to help you take the next step with confidence.
Everything you need to know about ATV loans.
What types of ATVs does Firefighters First Credit Union finance?
We finance new and used ATVs, including quads, ATVs for junior riders, toy trailers and dirt bikes. If you are unsure whether your vehicle qualifies, contact us and we’ll let you know.
Can I finance 115%* of my ATV purchase?
In many cases, yes. We offer up to 115%* financing on approved credit, which means you may not need a down payment. Your eligibility will depend on your credit history, the loan amount and other factors reviewed during the application process.
What’s the difference between getting a loan from Firefighters First Credit Union versus a dealer?
Dealership financing is often arranged through third-party lenders who may not offer the most competitive rates. When you finance through Firefighters First Credit Union, you’re borrowing directly from a credit union built exclusively for the Fire Family. That means your rate is not marked up to benefit a middleman. This may also help lower the cost of additional products like GAP. It’s worth getting pre-approved with us before you visit a dealership so you know exactly what you qualify for.
How do I know what rate I’ll receive?
Your rate is determined by several factors including your credit score, loan term and loan amount. The rate shown on this page is the lowest available rate. The best way to find out your actual rate is to apply. Contact us if you have questions before applying.
Can I refinance an existing ATV loan?
Yes. If you currently have an ATV loan with another lender and you’re paying a higher rate, we may be able to refinance it at a better rate. Contact us or stop by a branch to explore your options.
Do I need to be a member to apply?
You need to be a member to receive a loan from Firefighters First Credit Union. If you’re not yet a member, you can join and apply at the same time. Membership is open to firefighters and their families. Visit our Become a Member page to get started.
How long does the application process take?
The inquiry form on this page takes just a few minutes to complete. Once submitted, a member of our team will follow up with you to walk through the next steps. Decisions are typically made quickly, though the exact timeline can vary based on the complexity of your application.
APR = Annual Percentage Rate.
* Rates, terms, and conditions are subject to change. Subject to credit approval and collateral requirements.
1. Firefighter Insurance Services (#0G87848) is not insured by NCUA.
2. Once protections are taken, please refer to the signed agreement that will be provided to you with all coverage information and exclusions.
APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, visit the Rates page. Rate discount applies to loans up to a term of 60 months.
Representative Example: A $20,000 Personal Watercraft, ATV, Dirt Bike or Snowmobile loan financed at 7.49% APR for 60 months would result in 60 payments of $400.66.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.