Right arrow chevron-right chevron-left
Closeup of a laptop keyboard with other devices nearby as well as classes, notebooks, and pens.


Apply for an ATV or UTV Loan at MECU


Finance Your ATV & UTV with Ease at MECU 

ATVs and UTVs (all-terrain vehicles, or utility terrain vehicles) are great for work and recreation alike; however, they can sometimes cost a pretty penny and financing may be necessary. You know that you want an ATV or UTV, but how will you finance it? It’s easier than you think. 

ATVs and UTVs are considered recreational vehicles, and luckily, MECU offers amazing loan options and promos when financing the recreational vehicle of your dreams. If you enjoy the open outdoors and the rugged terrain underneath your wheels, Members Exchange Credit Union in Jackson, MS can help get you where you want to go. 

How to Get Started 

The first thing you need to do is determine what type of ATV or UTV you want. A recreational vehicle loan can be used to fund the following: 

  • New and used ATVs 

There are many benefits to both new and used ATVs, but what’s the best option for your needs and budget? New ATVs are great because they’re built from the ground up and designed with the latest technology. They also come with a warranty and usually have a more realistic price than used models. Used ATVs are also an excellent choice for those who don’t want to spend a ton of money on a new machine. You’ll get a great recreational vehicle that’s been well cared for by the previous owner, and you can often find one at a lower cost than you would expect.

  • Parts and accessories for ATVs

You’ve found the perfect ride for you, now is the time to itemize your parts and accessories before applying for your loan. Parts and accessories can be expensive add-ons and paying out of pocket can be a hassle especially when you’ve just financed your purchase. Think ahead by budgeting for your estimated monthly payment with parts in mind. 

Now, it’s time to get pre-approved. Getting pre-approved online is easy when you’re a member of Members Exchange Credit Union. We offer competitive loan rates on recreational, auto, personal loans, and more. Simply apply online and we’ll offer you the best loan rate for your credit score and budget. Once approved, you can go ahead and purchase your ATV or UTV with no money down.

Why Finance Your ATV or UTV at a Local Credit Union? 

When it comes to financing, there are a lot of options out there. Bank loans can sometimes be less flexible than credit union loan rates, and because you’re a member, you’ll receive superior financing options. If you’re looking for a more personal touch, we recommend financing your ATV or UTV with a credit union. Here’s why:

  1. Credit unions are local.

There’s nothing more satisfying than knowing your money is working to help our neighbors in the community. Credit unions are typically smaller and more local, so they’re more likely to know who you are and what your financial goals are—and they’ll be able to offer more personalized loan options that reflect your situation. Once you meet with our Personal Service Representatives, you’ll see for yourself why a “personal touch” is critical when it comes to your finances. 

  1. Credit unions offer better rates.

Credit unions aren’t just small—they’re also low-cost! That means they can afford to offer lower interest rates on their loans, which means less money out of your pocket when it comes time to pay off your ATV or UTV purchase (or any other major purchase). Plus, if you have good credit, most credit unions will be able to offer even better rates.

  1. Credit unions are member-owned.

The most important thing to know is that credit unions are member-owned and governed—they’re not-for-profit organizations that exist solely for their management’s benefit. This means that they don’t have stockholders to please; instead, they must make decisions based on what’s best for their members. 

Finance Your ATV or UTV with Members Exchange Credit Union Serving Jackson, MS and Surrounding Areas 

All in all, financing your ATV or UTV at a credit union provides you with better rates, low payments, and flexible financing options. Credit unions offer a variety of financing options to help you get the ATV or UTV that you want. At MECU, we have a variety of loan programs that can help you get the right financing for your recreational vehicle. Our team of dedicated professionals will work with you to find the best solution for your situation. Contact us today to get started.