Make the most of every season by getting outside with an ATV, motorcycle, snowmobile, or personal watercraft. We have great rates to enjoy the infinite beauty of our area.
BENEFITS:
No application fee
Fast, easy application & approval
Purchases or refinances
Pre-qualification for better negotiating
HOW TO GET A LOAN:
Apply Now >
Or, you can stop in any of our branches, call a Loan Officer at 800-491-4309, or send an email at loans@explorerscu.com.
UTVs, Personal Watercrafts, ATVs & Snowmobiles: 2021 – 2026
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 7.50% | 9.00% | 10.00% | 12.00% | 14.00% |
| 37 to 48 months | 8.50% | 10.00% | 11.00% | 13.00% | 14.50% |
| 49 to 60 months | 9.50% | 11.00% | 12.00% | 14.00% | 15.00% |
| 61 to 72 months | 10.50% | 12.00% | N/A | N/A | N/A |
UTVs, Personal Watercrafts, ATVs & Snowmobiles: 2020 and Older
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 650-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 8.25% | 10.50% | 11.50% | 13.50% | 15.75% |
| 37 to 48 months | 9.25% | 11.50% | 12.50% | N/A | N/A |
| 49 to 60 months | 10.25% | 12.50% | N/A | N/A | N/A |
| 61 to 72 months | 11.25% | N/A | N/A | N/A | N/A |
Rates effective 02/01/2026
All fees and Annual Percentage Rates (APR) are declared by The Board of Directors of Explorers Credit Union and are subject to change anytime without notice.
Explorers Federal Credit Union offers a tiered-pricing program. Your individual rate will be determined by the type and/or age or collateral offered, length of the loan, and your credit history.
Loan Payment Example: At 7.50% annual percentage rate (APR) for a 36-month term with 0% down, monthly payments are calculated at approximately $31.11 per $1,000.00 borrowed.
