ATV Title Loans
Apply Online & Keep Riding Your ATV
Need money right now?
A title loan lets you temporarily use your vehicle title as collateral in exchange for quick cash. ATV title loans work the same way as title loans for cars, trucks, and boats.
At 5 Star Car Title Loans, you can use your ATV title as collateral to borrow against your ATV’s value. Loan amounts may reach up to 50% of the ATV’s value, depending on its condition and your ability to repay.
ATV Title Loans by the Numbers
$2,900
Typical Loan Amount
$740 to $12,820
Typical Loan Range
2022
Typical Vehicle Year
176
Loans Funded
Based on 176 ATV title loans funded across all 5 Star Car Title Loans service states from 2023 to 2025. Actual loan amounts vary based on your ATV’s condition, mileage, your ability to repay the loan, and state regulations. “Typical Loan Range” reflects the middle 50% of validated funded loans (those passing market-value and program-LTV checks).
Key Takeaways
- Same-business-day funding may be available if your application clears before 2 PM local time.
- Bad credit considered. Approval depends on your ATV’s value and your ability to repay, not your credit score.
- Loan range: $100 to $50,000. Most funded loans land between $740 and $12,820. Terms up to 48 months.
- Proof of income required. We accept 1099s, self-employment, and bank-deposit income. No W-2 required.
- All major brands qualify: Polaris, Can-Am, Yamaha, Honda, Suzuki, Kawasaki, and Arctic Cat.
- Licensed lender: NMLS 2249848. Verify at the federal NMLS Consumer Access database.
Recent ATV Title Loans Funded
Recent ATV loans funded by 5 Star Car Title Loans. Actual loan amounts vary based on ATV condition, mileage, your ability to repay the loan, and state regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2024 | Can-Am | Outlander 1000R | 2,154 | $2,950 |
| 2024 | Honda | Rubicon 520 | 2,319 | $3,500 |
| 2024 | Honda | Rubicon 520 | 3,436 | $3,150 |
| 2023 | Yamaha | Wolverine X2 | 2,345 | $2,800 |
| 2022 | Can-Am | Outlander 850 | 1,656 | $2,850 |
| 2022 | Kawasaki | Brute Force 750 | 1,958 | $3,125 |
| 2022 | Polaris | Sportsman 1000 | 3,001 | $2,875 |
| 2022 | Yamaha | Kodiak 700 | 1,313 | $2,750 |
| 2021 | Kawasaki | Brute Force 750 | 3,269 | $2,750 |
| 2021 | Polaris | Scrambler XP 1000 | 3,194 | $3,425 |
Most Common ATVs Financed
| Make | Typical Loan | Typical Year | Loans Funded |
|---|---|---|---|
| Yamaha | $2,800 | 2015 | 51 |
| Polaris | $3,600 | 2015 | 37 |
| Can-Am | $3,700 | 2016 | 36 |
| Honda | $2,725 | 2018 | 33 |
| Suzuki | $2,775 | 2014 | 9 |
| Kawasaki | $2,750 | 2015 | 7 |
| Arctic Cat | $2,350 | 2017 | 3 |
Top 7 ATV makes financed by 5 Star Car Title Loans, based on 176 funded ATV title loans from 2023 to 2025.
Most Interesting ATVs We Finance
Out of 176 ATV title loans funded, a few quads stood out. A discontinued two-stroke legend, a brand we rarely see, a modern sport-quad icon, and a top-displacement V-twin all crossed our underwriting desk.
2013 Yamaha Banshee 350
A twin-cylinder two-stroke sport quad Yamaha pulled from the US lineup in 2006 over emissions rules. Still a cult favorite, and values held up.
2012 Arctic Cat Alterra 700
Arctic Cat shows up in only 3 of our 176 ATV loans. Built in Thief River Falls, Minnesota, now part of Textron Off Road.
2018 Yamaha Raptor 700R
The 686cc single that defined modern sport quads. Highest-value Raptor in our book, and the model still sells new today.
2024 Can-Am Renegade 1000R
A 976cc Rotax V-twin from BRP in Quebec. The newest ATV in our book, top of the performance-quad class.
How an ATV Title Loan Works
- Apply by phone or online. Share your ATV’s year, make, model, VIN, and current mileage. Get prequalified in minutes.8
- Send photos for the appraisal. Clear shots of the ATV (front, rear, both sides, and the odometer), your title, and your photo ID.
- Review the loan contract. Once approved, you receive a free loan contract. Read the loan term, APR, and fees carefully before signing.
- Sign, and we record the lien. After you sign, we record the lien on the ATV’s title. You keep the keys and the quad.
- Get funded the same business day.8 Cash arrives by ACH, check, or in-person pickup.
- Pay off the loan; clear title returns to you. When the loan is paid in full, we release the lien and your title is yours again.
Know the Risks Before You Apply
An ATV title loan is short-term, high-cost credit. Use it only when you have to.
- Risk of repossession. If you stop paying, we can take the ATV. It is your collateral. An ATV usually is not your daily transportation, but losing it still hurts.
- Fit payments into your budget. Run the monthly payment against your real take-home pay before signing. If it does not fit, do not sign.
- Compare APR. APR varies by state and lender. Get the rate in writing and compare it to a credit-union loan or a personal loan before you agree.
- Borrow only what you need. A bigger loan costs more in interest. Take the smallest amount that actually solves the problem.
Other Cash Options to Compare
| Option | Typical APR | Speed | Main trade-off |
|---|---|---|---|
| Friend or family loan | 0% | Immediate | Put the terms in writing. Protect the relationship. |
| 0% balance-transfer card | 0% intro, then 18 to 25% | Same day if approved | Pay off before the intro ends or the rate jumps. |
| Credit-union personal loan | 9 to 18% | 2 to 7 days | Cheapest. Membership required. |
| Bank personal loan | 10 to 25% | 1 to 5 days | Usually needs FICO 660+. |
| Credit-card cash advance | 25 to 30% | Instant | Interest starts the day you withdraw. |
| ATV title loan | 36 to 250%+ (varies by state) | Same day | Fastest cash. Repossession if you default. |
How to Choose an ATV Title Lender
- Verify the lender’s NMLS license. Search the federal NMLS Consumer Access database to confirm any lender is registered.
- No hard credit pull for a quote. A genuine prequalification uses a soft pull only.
- APR in writing before you sign. If the lender will not put the rate on paper, walk away.
- Knows ATV brands. A real ATV lender quotes different rates for a 2024 Polaris vs a 2008 Suzuki. Brand affects value.
ATV Title Loan FAQ
Can I borrow if my ATV is financed?
Usually no. The title needs to be clear and in your name. But if only a small balance is left on your existing loan, we may be able to pay off your current lender and issue a single new title loan that covers both the payoff and your additional cash. Call us with the specifics.
Salvage or rebuilt title?
A salvage or rebuilt title means the ATV was previously totaled by an insurer (from a serious accident, theft recovery, or major damage) and then repaired or returned to service. We review these case by case, but in most situations we either decline the loan or offer well below standard book value. Call us to discuss your specific title status.
Can I keep riding during the loan?
Yes. You keep the keys and the ATV. We hold the title and the recorded lien until the loan is paid off.
100% online with no physical inspection?
Yes. Most ATV title loans are processed online with no physical inspection. Clear photos and videos of your ATV usually replace the in-person check. Learn more about our online title loan process with no inspection.
