acalculator

What will my ATV loan cost?

Type the price of the ATV, your cash down, the APR and the number of months. The ATV loan calculator shows the monthly payment, the total interest, the payoff month and every payment. Add a trade-in, sales tax, fees or an extra monthly amount if you have them.

Your numbers

How much are you paying up front?
What will the dealer give for your current ATV?
What APR were you offered?
When does the loan start? First payment is a month later.
For example 36 months (3 years) or 60 months (5 years).
Add sales tax, fees or extra payments
Charged on the price minus your trade-in.
Goes straight to paying down the balance.
Your monthly payment
$212.90

Borrowing $10,500.00 at 8% APR over 60 months costs $212.90 a month, with $2,274.13 of interest in total.

Loan $10,500.00Interest $2,274.13
82% loan18% interest
Number of payments
60
Paid off in
October 2031
You pay each month
$212.90
Payments last
60 months
Loan
$10,500.00
Interest
$2,274.13
Total you’ll repay
$12,774.13
Paid up frontCash down, plus tax and fees not in the loan
$1,500.00
What the ATV really costsPrice, tax, fees and interest
$14,274.13
Months
60

Answer for the example date Monday, October 5, 2026. It changes to today's date when the page loads.

Your monthly payment: $212.90. Borrowing $10,500.00 at 8% APR over 60 months costs $212.90 a month, with $2,274.13 of interest in total.

How much of what you repay is interest?

Where does each payment go?

What does every payment look like?

The results are estimates for information only. They are not financial, tax, or legal advice. Check the numbers with your lender or a qualified professional before you decide. Terms of use

How to calculate

Computes the monthly payment, total interest, payoff date, and full payment schedule of a fixed-rate loan for the ATV.

Example with the default inputs (Price of the ATV $12,000.00, Cash down $1,500.00, Trade-in value $0.00, Interest rate (APR) 8%, Loan start date October 5, 2026, Length of loan (months) 60, Sales tax rate 0%, Dealer and registration fees $0.00, Roll tax and fees into the loan Yes, Extra each month $0.00) on the example date Monday, October 5, 2026: Borrowing $10,500.00 at 8% APR over 60 months costs $212.90 a month, with $2,274.13 of interest in total.

Method: payment = L × r ÷ (1 − (1 + r)^−n), with L the amount borrowed, r the APR ÷ 12, and n the number of months; each month, interest = balance × r and the rest of the payment lowers the balance.

  • The rate is fixed for the whole loan and interest is charged monthly at APR ÷ 12.
  • Payments are made at the end of each month, starting one month after the start date.
  • Sales tax is charged on the price minus the trade-in value, as most US states do.
  • Extra payments go straight to the balance; the last payment is whatever is left.
  • Values are not rounded to the cent between months; only the display is rounded.

Machine-readable copies: Markdown, JSON.

Worked examples

Each example is checked against the calculator on every build.

  1. Price of the ATV $12,000.00, Cash down $1,500.00, Trade-in value $0.00, Interest rate (APR) 8%, Length of loan (months) 60, Loan start date 2026-10-01 gives Loan $10,500.00, Your monthly payment $212.90, Interest $2,274.13, Paid off in 2031-10-01.Source: Consumer Financial Protection Bureau, What is amortization and how could it affect my auto loan? https://www.consumerfinance.gov/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/ (retrieved 2026-10-05)
  2. Price of the ATV $15,000.00, Cash down $2,000.00, Trade-in value $3,000.00, Interest rate (APR) 9.5%, Length of loan (months) 48, Sales tax rate 6%, Loan start date 2026-10-01 gives Loan $10,720.00, Your monthly payment $269.32, Interest $2,207.36.Source: Consumer Financial Protection Bureau, What is amortization and how could it affect my auto loan? https://www.consumerfinance.gov/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/ (retrieved 2026-10-05)
  3. Price of the ATV $9,000.00, Cash down $0.00, Trade-in value $0.00, Interest rate (APR) 0%, Length of loan (months) 36, Loan start date 2026-10-01 gives Your monthly payment $250.00, Interest $0.00, Total you’ll repay $9,000.00.Source: Consumer Financial Protection Bureau, What is amortization and how could it affect my auto loan? https://www.consumerfinance.gov/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/ (retrieved 2026-10-05)

How it works

  • Taxed price = price − trade-in (never below 0). Sales tax = taxed price × tax rate.
  • Amount borrowed L = price − cash down − trade-in, plus the sales tax and fees when they are rolled into the loan (the default). It is never below 0.
  • Monthly rate r = APR ÷ 12 ÷ 100. Monthly payment = L × r ÷ (1 − (1 + r)^−n) for n months; at 0% it is L ÷ n.
  • Each month, interest = balance × r and the rest of the payment lowers the balance. The last payment is whatever is left. Nothing is rounded between months.
  • An extra monthly amount goes straight to the balance, so the loan ends sooner; the interest saved is the interest without the extra minus the interest with it.
  • Paid up front = cash down, plus tax and fees when they are not rolled in. What the ATV really costs = price + tax + fees + all the interest.

Rules

  • Price, cash down and trade-in from $0 to $100,000,000; APR from 0% to 50%; 1 to 120 months; sales tax 0% to 25%; fees up to $1,000,000.
  • The first payment is one month after the start date.

Worked examples by hand

The default: $12,000 ATV, $1,500 down, 8% APR, 60 months. L = 12,000 − 1,500 = $10,500. r = 0.08 ÷ 12. Payment = 10,500 × r ÷ (1 − (1 + r)^−60) = $212.90. Interest over the loan = $2,274.13.

$15,000 ATV, $2,000 down, $3,000 trade-in, 6% tax, 9.5% over 48 months. Tax = 0.06 × (15,000 − 3,000) = $720. L = 15,000 − 2,000 − 3,000 + 720 = $10,720. Payment = $269.32; interest $2,207.36.

$9,000 at 0% over 36 months. Payment = 9,000 ÷ 36 = $250; no interest.

Other questions people ask

How is an ATV loan payment worked out?

It is a level monthly payment: payment = L × r ÷ (1 − (1 + r)^−n), where L is the amount borrowed, r is the APR ÷ 12 and n is the number of months. $10,500 at 8% over 60 months is $212.90 a month.

What does the amount borrowed include?

The price minus your cash down and trade-in. Sales tax and fees are added to the loan when "Roll tax and fees into the loan" is on, or paid up front when it is off.

How does a trade-in change the sales tax?

Most US states charge sales tax on the price minus the trade-in value, so a $3,000 trade-in on a $15,000 ATV leaves $12,000 taxed. Check your state’s rule.

Does a longer loan save money?

No. A longer loan lowers the monthly payment but adds interest. At 8% on $10,500, 60 months costs $2,274 of interest; 36 months costs about $1,345.

Can I pay my ATV loan off early?

Many loans let you prepay without a penalty, but some do not. Check your loan contract. Use the extra monthly amount to see the interest and months you would save.

Is an ATV loan secured?

Often it is, by the ATV itself, like a car loan; some lenders offer unsecured personal loans instead, usually at a higher rate. Type the APR you are offered.