Loans for ATVs, horse trailers, tractors and more

Some investments reflect the way you work, care for your land or live out your values. When your needs go beyond the ordinary, like ATVs, horse trailers, tractors or other specialized vehicles, we offer miscellaneous secured loans with flexible options designed to with your financial health in mind.
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Quick Facts

What sets our specialized vehicle loans apart

When you need to finance a new or used specialized vehicle for personal use, Credit Human can help you save with a low rate. From horse trailers to ATVs and UTVs, you'll get the best loan terms for your spending plan.

  • Terms up to 84 months for qualified borrowers
  • No early repayment penalties
  • Easy pre-approval process so you can shop confidently
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Get started

Get pre-approved before you shop

Start your application to explore loan options tailored to the equipment or vehicle you need. With a quick pre-approval, you can move forward with clarity, confidence and a better understanding of what works for your spending plan.
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Other vehicle secured loan rates - model year 2016 and newer

Rates effective as of 6/20/2025

Term Minimum loan Rate (APR)
1 - 48 months $5,000 7.44 - 15.29%
49 - 60 months $10,000 7.34 - 15.19%
61 - 72 months $20,000 7.29 - 15.14%
73 - 84 months $25,000 7.24 - 15.09%

Disclosures

Your specific rate and term will be dependent upon your credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of June 20, 2025 and are to subject to change without notice. For information on current rates, call our Member Service Center toll free at 800-688-7228. Payment example: For a $15,000 loan for a term of 48 months with a 7.34% APR, the monthly payment will be $299.43

Start your loan application today

Apply online to explore financing options for the equipment or vehicle you need.
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