Is Quadbike or ATV financing a good idea?

If you love the outdoors and want to be the proud owner of a four-wheeler, then a quadbike loan may be the right option for you.

It may just be that you need an ATV loan to run your property more efficiently, but even if you just want a new weekend toy leisure finance is available for you.

When most people think of loans, they think of their car loans, equipment loans, house loans, etc. All the practical reasons for why one would need a loan, but it’s equally important to follow your dreams and live your ultimate lifestyle.

Instead of saving for years to purchase a leisure item, signing up for a leisure loan could mean living your dream life today instead of years down the track. If you can afford the repayments, why not purchase a quadbike today? A leisure loan can be the difference between purchasing your quadbike rather than waiting for an unknown future date.

Unlike a car loan, a leisure good is classed as a ‘want’ item.

It’s their occasional use that makes them so. Cars are used every day to navigate to and from work, but quadbikes or ATV’s are only used from time-to-time. This makes leisure loans a little trickier than other types of loans.

Finding a financial company to help with your leisure loan can mean the difference between repayments you can afford or a loan that’s outside of your budget. Finding a suitable quad bike loan can also mean the difference between interest rates and fees.

iCREDIT has access to more lenders and loan options today than ever before, which means we can help you find, compare and choose a suitable leisure loan for you. Leisure goods can be difficult for banks to lend against and many often offer less than ideal loan approvals. We understand the complexities of leisure finance and by discussing your needs and loan objectives with us, we can help find a loan package suitable to your budget, goals and lifestyle.

What Is a Soft Quote?

A soft quote is a simple, no-obligation way to explore your loan options without affecting your credit score.
When you request a soft quote, we assess your financial profile and give you an estimated rate, repayment amount, and loan term based on current lender options.

✔️ No credit file impact
✔️ No commitment required
✔️ Instant comparisons across multiple lenders

It’s ideal if you’re still shopping around or just want to understand what your repayments might look like.

 

What Is a Full Application?

A full application is the next step once you’re ready to proceed.
This involves submitting your information to the lender for a formal assessment. The lender then completes a credit check, verifies your documents, and provides a confirmed interest rate and loan offer.

✔️ Required for formal approval
✔️ Involves a credit check
✔️ Can lead to same-day approvals (depending on the lender)

What Affects Your Loan Rate?

Lenders consider several key factors when determining your personalised rate and terms. These include:

1. Your Profile

Credit history, employment stability, and income all play a major role in the rate offered. A clean credit file and steady employment can often lead to lower rates.

2. The Asset

The type, age, and condition of the asset (car, caravan, horse float, etc.) can influence risk and therefore the rate. Newer or higher-value assets often attract better rates.

3. Loan Term

Shorter terms generally mean less total interest paid, while longer terms may offer lower weekly repayments but higher total cost.

4. Fees

Every lender has their own structure for establishment, monthly, and exit fees. iCREDIT helps you compare these upfront so there are no surprises.

Why Compare with iCREDIT

At iCREDIT, we make finance simple and transparent. Our team compares a wide range of lenders, explaining your options clearly and helping you choose the best fit — without pressure or hidden costs.

  • Compare rates and lenders side-by-side

  • Understand your total loan cost upfront

  • Avoid unnecessary credit checks until you’re ready

Get Your Soft Quote Today

Take the first step with a soft quote and see what’s possible — all without impacting your credit score.

👉 Start your soft quote today