Currently banks and lenders are offering ATV financing starting at 9.9% for pristine credit and ranging as high as 29.9% for bad credit situations.

There is no set minimum credit score required for ATV financing in Canada. Your rate and approval will be aligned with your credit history and overall risk.

While fees vary from dealer to dealer, the most common fees you can expect are as follows:

Dealer Doc & Admin Fees: You should only be paying one of these fees, not both. Typically this falls in around the $499 mark but we've seen as high as $1,500 from less reputable dealerships.

Private Sale Fees: If you're buying outside of a dealers inventory, there will be a charge to do so - similar to consignment. Many companies hide this fee, charging as much as your approval allows. Our partners at Revival Powersports charge a 10% markup on the cost to buy in the ATV.

Lender Admin Fees: Depending on the lender, this fee typically varies from $299 to $999.

Other Fees: There may be other fees assessed including PPSA (lien registration fee) involved with the financing. Be leery of dealerships charging fees that do not make sense for the unit you are buying. For example: If you are buying a private sale, do not accept a fee for "set up" or "PDI".