ATV, Personal Watercraft, & Snowmobile Loans

Looking to borrow for a snowmobile, personal watercraft, or ATV. Weather new or used, you can finance leisure vehicles like these at 3Rivers. Like any loan, you can purchase or refinance to obtain affordable monthly payments that fit your budget and lifestyle. Enjoy terms of up to 77 months and no minimum purchase amount in many cases. 

Rates for leisure vehicle loans are below. Take a look and let us know if you have any questions. Or, if you're ready, apply for your leisure vehicle loan now.

Rates & Terms

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  • Motorcycle, ATV, Personal Watercraft, Snowmobile
  • 11-01-2018

Model Year

Term

Minimum Loan Amount

Rate

APR1

2016 & Newer

12 - 36 months

$5,000

as low as 3.49%

4.00%

2016 & Newer

37 - 60 months

$5,000

as low as 3.79%

4.11%

2016 & Newer

61 - 72 months

$10,000

as low as 4.29%

4.42%

2012-2015

12 - 36 months

$5,000

as low as 3.99%

4.51%

2012-2015

37 - 60 months

$5,000

as low as 4.29%

4.61%

2008-2011

12 - 36 months

$5,000

as low as 4.99%

5.51%

2008-2011

37 - 60 months

$5,000

as low as 5.29%

5.61%

2005-2007

12 - 48 months

$5,000

as low as 6.79%

7.19%

2004 & Older

12 - 48 months

$5,000

as low as 10.29%

10.70%

Payment Example(s):

  • Motorcycle, ATV, Personal Watercraft & Snowmobiles – 60 month @ 3.49% your payment will be roughly $18.19 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Annual Percentage Rate (APR) Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term.

For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.