Vehicle loans

Financing an all-terrain vehicle (ATV) is a lot like financing any other type of vehicle. Some banks and credit unions offer secured loans for ATVs that you can pay off in 12 to 60 months. (A secured loan means the ATV will be used as collateral against the loan.) Other banks offer unsecured personal loans that you can use to buy an ATV – though personal loans tend to have higher interest rates.

U.S. Bank offers loans up to $15,000 for new ATVs. As you prepare to apply, it’ll be helpful to have the window sticker from the dealer, or the Manufacturer’s Suggested Retail Price (MSRP) Window Sticker. It contains all the information about the ATV your banker will need including make, model, horsepower, value and VIN/Serial Number. You’ll also need your insurance information prior to loan closing.

Work with your bank or credit union to get a secured loan for a new or used motorcycle. The process is a lot like getting a loan for a car or truck, in that the motorcycle serves as collateral for the loan. Whether you’re buying a new or used motorcycle will determine what information you’ll need for the loan.

U.S. Bank offers loans for motorcycles up to $25,000, with terms of up to 60 months. To apply you’ll need personal identification and income information, along with details about the motorcycle you want to buy. For a new motorcycle, have the MSRP Window Sticker handy so you can provide the MSRP value, color, make, model and VIN number. For a used motorcycle, you’ll also need the odometer reading. Lastly, you’ll need your insurance information prior to loan closing.

Your bank or credit union can help you get a secured loan for a new or used car. A secured loan means that the car (or truck, van or SUV) serves as collateral for the loan. Whether you’re buying a new or used model will determine what information you’ll need for the loan.

U.S. Bank offers loans for autos up to $100,000, with terms of up to 72 months. To apply you’ll need personal identification and income information, along with details about the vehicle you want to buy. For something new, have the MSRP Window Sticker handy so you can provide the MSRP value, color, make, model and VIN number. For a used auto, you’ll want to know its Kelley Blue Book or NADA value. Lastly, you’ll need your insurance information prior to loan closing.