
Need money right now?
A title loan lets you temporarily use your vehicle title as collateral in exchange for quick cash, with no perfect credit required. While many people know this option for different vehicles such as cars, trucks, or even boats, ATV title loans are becoming more popular too.
If you own an ATV you’re not riding, its title could be your financial backup. And if you are riding it, that’s fine as well!
With an ATV title loan, you can keep enjoying your ATV while making your loan payments and still get the cash you need today.
Before moving forward, keep in mind that you will not be able to borrow the full value of your ATV. Most lenders offer 25% to 50% of your ATV’s value, based on its condition, title status, and your ability to repay.
The process is simple and in many cases can be completed almost entirely online. Often, all you need to do is submit photos and videos of your ATV.
A physical inspection is not always required, but be sure to confirm with the lender.
Get an ATV Title Loan in 3 Easy Steps:
STEP 1: Apply Now
Apply Now and speak with our loan specialists:
STEP 2: Basic Information
Complete your application process, provide basic information* such as model, mileage of your ATV and a proof of your ability to repay your loan
*Other documents may be needed
STEP 3: Get Your Money
Once you qualify, sign the loan agreement, and receive your funds by check, cash, or transfer. Best of all, you keep driving your ATV after you get your money.

Use Your ATV To Get a Title Pawn Fast!
An all-terrain vehicle, or ATV, is a small motorized vehicle built for off-road use. It usually has four wheels, large low-pressure tires, and a seat designed for the rider to straddle while steering with handlebars. ATVs are popular for outdoor recreation, farm and ranch work, hunting, and other utility purposes. They are valued for their ability to handle rough ground where regular vehicles cannot go.
Let’s Examine ATV Title Loan Potential Issues:
Before applying for an ATV title loan, it’s important to understand not only the benefits but also the potential challenges. Knowing the common issues in advance will help you make a smarter decision and avoid surprises along the way.
- Terms and Conditions of ATV Title Loans
As with other vehicle title loans, the lender will usually expect full repayment within a set period, often 24 to 48 months. If that timeline works for you, great. If you think you may need more time, there are a few things to consider.
You may be able to work with your lender to extend the loan term. Depending on the agreement, the extension could range from a few weeks to several years. Keep in mind, though, that the longer the extension, the more interest you’ll likely pay overall
Remember: The longer your loan lasts, the more you will pay in interest. By the time it’s fully repaid, you may end up paying back more than you originally borrowed.
- The Size and Price of an ATV
Title loan lenders determine how much you can borrow based on the resale value of your vehicle and your ability to repay. With ATVs, there are a few limitations to keep in mind. Since an ATV is generally smaller and less valuable than a car or truck, the loan amount you qualify for may be lower than you expect.
- Payment Options
You may be wondering how to pay off a title loan quickly. Most lenders provide several convenient payment methods.
Here are the options available:
Phone Payments – Have your debit or credit card ready and give us a call.
Online Payments – Log into your account to make payments online. If your account is not yet set up, call us and we’ll help you get started.
Cash Payments – Deposit cash payments at your nearest Bank of America branch.
Check or Money Order – If you prefer, mail a check or money order to our main office address.
The number one reason to pay off any loan early is simple: you’ll save money on interest. Paying sooner means you’ll spend less overall.
ATV Title Loan Requirements
To qualify for an ATV title loan, you’ll typically need:
- A clear ATV title in your name
- A valid government-issued ID
- Proof of income or ability to repay
- Proof of insurance (in some cases)
- Recent photos or videos of your ATV (a physical inspection may be required in certain situations)
Additional documents may be requested depending on the lender and your state regulations.
Additional Documents You May Need
Almost every title loan lender will require additional documents during your loan processing. Documents that you may need to prepare include:
- Original Vehicle Title
- Utility bill or proof of residency
- Vehicle Registration
- Contact information of at least two references
What Should I Be Aware Of?
It’s important to understand the risk involved with an ATV title loan. If you are unable to make the required payments or default on the loan, the lender has the legal right to take full ownership of your ATV. Once they repossess the vehicle, they can sell it to recover the money owed.
If you are not prepared to part with your ATV, be sure you have a reliable plan to repay the loan on time before agreeing to the loan terms.
Are You Ready to Apply for an ATV Title Loan?
If you need cash fast, 5 Star Car Title Loans is here to help. We’ve been assisting borrowers for years with loans starting at $2,600, depending on your ATV’s value and your ability to repay.
Approval is based mainly on your repayment capacity and the resale value of your ATV, not your credit history! Even if you have poor credit or no credit at all, you may still qualify.
Get your free estimate today and see how much you can borrow.

Written by
Nick Marinoff
Nick Marinoff is a freelance writer and journalist. He has previously served as an environmental reporter with Planet Experts, a senior writer and chief editor with News BTC, and as a news writer and editor with Money & Tech. He is a proud graduate of FHSU in Hays, KS.