Why Finance a Farm ATV?
All-terrain vehicles (ATVs) are essential tools for livestock management, fencing, estate work and general farm mobility. Finance allows you to preserve working capital and VAT-register the purchase, with repayments aligned to your farm's cash flow cycle.
Preserve Capital
Finance spreads the cost over 2–5 years, keeping capital available for seeds, fertiliser and machinery maintenance.
Tax Efficiency
HP interest and finance lease payments are typically allowable business expenses. Discuss with your accountant.
Quick Decisions
Agricultural vehicle finance decisions are typically available within 24 hours through our lender panel.
ATV Finance Options Explained
| Finance Type | You Own the Asset? | VAT Benefit | Best For |
|---|---|---|---|
| Hire Purchase (HP) | Yes - at end of term | Reclaim upfront (if VAT registered) | Farms wanting ownership |
| Finance Lease | No (option to sell) | Reclaim payments monthly | VAT-registered businesses |
| Operating Lease | No - hand back at end | Full payment deductible | Fleets, replacing frequently |
| Sale & Leaseback | Temporarily no | Reclaim lease payments | Releasing equity from owned ATVs |
Current ATV Finance Rates - October 2026
| Lender | From (APR) | Max Term | Used Assets? |
|---|---|---|---|
| Black Horse | 5.7% | 60 months | Yes (up to 5 yrs) |
| Close Brothers | 5.9% | 60 months | Yes (up to 7 yrs) |
| Shawbrook | 6.2% | 60 months | Yes (up to 5 yrs) |
| Aldermore | 6.4% | 60 months | Yes (up to 10 yrs) |
Rates are indicative for October 2026. Final rates depend on creditworthiness, deposit and asset age.
What to Consider When Buying a Farm ATV on Finance
Before applying, consider:
- New vs used: New ATVs attract the best rates; used assets (especially over 5 years old) may be restricted to shorter terms and higher deposits.
- Brand and resale value: Lenders favour brands with strong resale markets - Honda, Yamaha, Polaris, Can-Am and Kawasaki are widely accepted.
- Deposit: A 10–15% deposit is standard; a larger deposit reduces the monthly payment and can improve your rate.
- Seasonal income: Alert your broker to any seasonal income pattern so the lender's underwriters can assess accordingly.