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Motorsport Loans

ATV and UTV financing for your next adventure.

Floridacentral Motorsport Loans help eligible borrowers finance new and used ATVs, UTVs, side-by-sides, and other qualifying powersports vehicles. With competitive rates, flexible repayment terms, pre-approval options, and local lending decisions, you can finance your next off-road vehicle with confidence. 

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What Can You Finance with a Motorsport Loan?

Floridacentral Motorsport Loans may be used to finance eligible new and used all-terrain vehicles, utility-terrain vehicles, side-by-sides, and other qualifying powersports vehicles. Rates are available as low as 6.99% APR1, with terms up to 72 months.

Loan Features

  • Get pre-approved before visiting the dealership so you can understand your budget and potentially strengthen your negotiating position.
  • Refinance an eligible motorsport loan from another financial institution to potentially lower your rate, reduce your monthly payment, or adjust your loan term.
  • Protect yourself from the unexpected with our payment protection options
  • Quick, local decision-making and processing
  • Personalized service from application through payoff

Get Pre-Approved Before You Shop

Pre-approval helps you understand your budget before visiting a dealership and gives you additional confidence when it’s time to make your purchase.

Additional Benefits

  • Shop knowing your approved budget
  • Strengthen your negotiating position
  • Refinance your current motorsport loan from another lender
  • Payment protection options available
  • Personalized guidance from Floridacentral’s lending team
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Motorsport Loan Rates

Review current rates for eligible new and used ATVs, UTVs, side-by-sides, and other qualifying powersports vehicles. Your final rate will depend on factors such as creditworthiness, the vehicle type and age, the loan amount, and the repayment term.

Loan TypeAPR2Term3
Motorsport – Newas low as 6.99%Up to 72 months
Motorsport – Usedas low as 7.05%Up to 72 months

New Motorsport:
A Motorsport loan on a New Motorsport vehicle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.

Used Motorsport:
A Motorsport loan on a Used Motorsport vehicle with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.

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Estimate Your Monthly Payment  

Use our motorsport loan calculator to estimate your monthly payment based on the loan amount, interest rate, and repayment term you’re considering. 

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Motorsport Loan FAQs

Have questions about financing your next ATV, UTV, side-by-side, or powersports vehicle? We’re here to help.

Yes. Floridacentral offers financing for both new and used ATVs and UTVs, subject to credit approval and vehicle eligibility.

Yes. Pre-approval helps you understand your budget before visiting a dealership and can give you extra bargaining power when it’s time to buy.

Yes. If your loan is with another financial institution, refinancing with Floridacentral may help you lower your rate or monthly payment, depending on your qualifications.

Your rate is based on several factors, including your creditworthiness, the type and age of the vehicle, the loan amount, and the repayment term you choose.

You’ll typically need a valid photo ID, proof of income, and information about the vehicle you’re purchasing. Our lending team will let you know if any additional documentation is needed.

Eligible vehicles may include new and used ATVs, UTVs, side-by-sides, and other qualifying powersports vehicles. Vehicle eligibility may depend on the year, make, model, condition, and other lending requirements.

A Motorsport Loan is generally used for eligible off-road powersports vehicles such as ATVs, UTVs, and side-by-sides. A Motorcycle Loan is designed for eligible new and used motorcycles. Rates, terms, and eligibility may vary by vehicle type.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the financing that’s right for your next ride.

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Disclosures

1 APR - Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. Rates effective September 30, 2026. Restrictions apply.

2 APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 30, 2026.

3 May be eligible for longer terms, subject to approval, rate may be higher.