Four Wheeler Refinance
NOT ALL LOANS ARE CREATED EQUAL
Feeling a bit stuck with your ATV, UTV, or Side by Side loan? Sometimes, dealerships don't have access to the best rates. Maybe it's time to shake things up a bit with a four-wheeler refinance.
Here at Ironhorse Funding, we're all about helping you find a sweeter deal for your four-wheeler, whether it's an ATV, UTV, or Side by Side. Let's explore your refinancing options and get a loan that fits your budget. Apply for prequalification to see what you qualify for.
PREQUALIFICATION ADVANTAGE
No impact to your credit score. No SSN required. No commitment.
Apply for prequalification with our quick, easy, and secure online application in just a few minutes. If you qualify, get instant rate and term options. No need for your social security number and the soft credit check won't mess with your credit score. The best part? No strings attached. If the offers don't fit your finances, you can just walk away.
Currently accepting applications in the following states:
AL, AZ, AR, CA, CO, CT, DC, FL, GA, ID, IL, IN, IA, KS, MA, ME, ND, NE, NH, NJ, NM, NC, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA.
How Does Four Wheeler Refinancing Work?
GET PRE-QUALIFIED
Apply online to get an instant pre-qualification offer. No impact to credit score. No commitment.
CHOOSE YOUR RATE
If you prequalify, review offers and select your rate and term. A loan specialist will reach out with details.
SUBMIT DOCUMENTS
If you're approved, securely upload the required documents through our mobile-friendly online portal.
E-SIGN
Electronically sign for your new ATV, UTV, or Side by Side loan and we'll take care of the rest.
Why Refinance Your Four Wheeler Through Ironhorse Funding?
Explore all your Side by Side, UTV, or ATV loan options.
Competitive Four Wheeler Refinance Rates
We offer competitive refinance rates including zero-down options for those who qualify.
Flexible Term OPTIONS
Extend Your Loan Term: Free up some extra cash and lower your monthly loan payment. Refinancing your four wheeler to extend the term of your loan could provide the relief you need.
Reduce Your Loan Term: Want to pay off your loan sooner or planning a big purchase? Refinancing to shorten the loan term could help. You could save big on interest over the life of the loan.
NO PAyment for up to 45 days
When you refinance your four wheeler through Ironhorse Funding, you can take advantage of up to 45 days before your first payment is due.
5-Star customer service
With hundreds of 5-star customer reviews, Ironhorse Funding is your trusted partner in four wheeler refinance. Don't take our word for it!
Easy, online payments
Download the Ironhorse Funding app to access/update your account information, make a payment, set up future payments, and view payment history.
How To Qualify For A Four Wheeler Loan?
To qualify you'll start by filling out the online prequalification application form. Prequalification will allow you to run through the application process without affecting your credit score or requiring a social security number. This will give you a good idea of what rate and term you would qualify for before you submit a full application. What is prequalification?
Your credit score plays an important part in the lending process and will play a factor in whether you qualify for a four wheeler loan. Generally the higher the credit score, the better rate you could qualify for. Pulling your free credit report, while your credit score will not be listed, can give you a better understanding of the influences affecting your credit score. Find out how to get your credit report for free.
Prequalification will utilize a soft credit pull and a full application will utilize a hard credit pull. Learn the difference between a hard credit inquiry vs a soft credit inquiry.
Four Wheeler Refinancing Frequently Asked Questions
What is Four Wheeler refinancing?
Four wheeler refinancing is the process of replacing your existing AYV, Side by Side, or UTV loan with a new loan under a different term and rate.
How soon can I refinance my Four wheeler?
It’s typically best to have at least six to nine months of on-time payment history before you apply to refinance your existing loan.
What Credit Score Do I Need to Refinance My four wheeler?
Ironhorse Funding qualifies applicants who have a credit score of 660 or above. Credit score is not the only factor in determining your qualification for four wheeler refinance.
Find out how to get a copy of your Free Credit Report.
What TYPE OF Four Wheelers are Eligible?
We offer financing for all popular makes and models including ATVs, UTVs, Side by Sides and more.
Still Got Questions About Four Wheeler Refinancing?
Protection Products for Your ATV, UTV, or Side by Side
Cover Yourself From the Unexpected
GAP Insurance
GAP provides peace of mind. If there's a total loss on your vehicle, GAP insurance covers the financial gap between the value of your ride and your remaining balance.
TIRE AND WHEEL COVERAGE
Tire and Wheel provides coverage in the event of damage to tires or wheels as a result of road hazards such as metal, nails, glass, debris, potholes, blowouts and more.
VEHICLE SERVICE CONTRACT
Vehicle service contracts are available at different term lengths for new and used rides to protect your vehicle after the dealer's or manufacturer's warranty has ended.