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ATV & Quad Bike Finance

Looking for fast, flexible ATV and quad bike finance? Let us save you time, money and hassle!

FLOW Financial Services

From the paddock to the tracks, we've got the finance to match

An ATV earns its keep in very different ways depending on who’s riding it. On a farm it’s a workhorse, mustering stock, towing trailers and covering ground a ute can’t. For weekend riders it’s pure recreation. Either way, a quality quad, side-by-side or UTV is a decent chunk of money, and the right finance makes the purchase a lot easier on the hip pocket.

How the finance works depends on how you’ll use the machine. For farm or business use, a chattel mortgage or commercial asset loan is usually the most tax-effective route, with interest and depreciation generally deductible. For personal and recreational use, a standard personal asset loan applies, with competitive rates available on both new and used quads.

Flow Financial Services arranges finance for quad bikes and ATVs new and used, side-by-sides and UTVs from Polaris, Can-Am, Yamaha, Honda and others, farm and agricultural ATVs, recreational and off-road quads, and youth and junior models. We assess your situation, match you with the most appropriate lender, and get your application moving fast, with most approvals landing the same day.

Years Experienced
0 +
  • Premium personal service
  • 300+ 5-star google reviews
  • Loan protection packages
  • Easy Online Process
  • Market leading Interest Rates
  • Fast turnaround times
  • High Approval rates
  • Protect your credit score
  • Expert Loan Brokers
  • 40+ Trusted Lenders
  • Tailored Loan Products
  • Flexible Repayment options

Why Choose Us

Buying your first quad or adding a side-by-side to the farm shed, ATV and quad bike finance is one of our specialties.

Financing an ATV isn’t always as simple as a car loan. Business use, private sales and older machines can all change which lenders are worth approaching and what structure makes sense.

Maybe you’re weighing up a chattel mortgage against a personal loan. Maybe you want to know if a used quad from a private seller can be financed, or whether you’ll need a deposit, or how buying through the farm changes things at tax time.

We answer these questions every day. Flow works with a panel of more than 40 lenders, and we know which ones finance used and older ATVs, which ones handle private sales smoothly, and which ones offer 100% finance. The result is a loan that fits the machine, the use and your budget.

SAVE MONEY

Our network of over 40 lenders gives us access to rates and loan structures you won’t always find going direct. Whether it’s a work asset or a weekend toy, the right rate can add up to thousands of dollars saved over the life of the loan.

SAVE TIME

We manage the finance process from first conversation to settlement. Rather than juggling lenders and paperwork yourself, you hand it to us. The applications, the documentation and the follow-up are ours to deal with, and most ATV finance applications receive same-day approval.

EXPERT ADVICE

We take the time to understand your situation before recommending anything. Farm use or recreation, new or used, dealer or private sale: each points to a different lender and structure, and we’ll walk you through the reasoning so the decision is an informed one.

STRESS LESS

We make informal enquiries with lenders before submitting anything formal, so we find out who’s likely to approve your application before anything touches your credit score. That keeps your credit file clean and makes the whole approval process a lot calmer.
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FAQs

Our Frequently Asked Questions. If you have any further questions, please contact us.

It covers the loan products used to buy a quad bike, ATV, side-by-side or UTV, whether for farm work, business use or recreation. Depending on how you use the machine, it can be financed as a commercial asset or a personal one, and the structure follows from there.
Anyone buying an ATV for work or play: farmers and property owners, businesses, sole traders and everyday riders. We arrange finance for individuals, partnerships, companies and trusts.
Get in touch with details of the machine you’re looking at, including make, model, year and price. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted. Most applications receive same-day approval once they’re in.
Typically proof of identity such as a driver’s licence or passport, proof of income through recent payslips or bank statements, and details of the ATV being purchased. If you’re applying as a business, add your ABN and business documents. We’ll tell you exactly what your application needs before you start gathering anything.
Yes. We work with lenders who finance used ATVs and quads, including older models. Approval depends on the machine’s age, condition and value, and we’ll tell you upfront which lenders suit the one you’ve found.
Private sale finance is available. The process differs slightly from a dealer purchase, with a few extra checks on the seller and the machine, but we handle private sales regularly and will walk you through it.
Not necessarily. Some lenders offer 100% finance on ATVs, depending on your credit profile and the asset value. If a deposit strengthens your application or improves the rate, we’ll tell you before anything is submitted.
For farm or business use, the most common options are a chattel mortgage or commercial asset loan, where interest and depreciation are generally deductible. For personal and recreational use, a standard secured personal loan applies. We assess how you’ll use the machine and recommend the structure that delivers the better outcome.
Potentially, where the machine is used for farm or business purposes. Eligible businesses may be able to claim deductions for interest, depreciation and running costs in proportion to business use, and under a chattel mortgage, a GST-registered business can generally claim the GST on the purchase price in its next BAS. Tax treatment varies with your structure and circumstances, so confirm the specifics with your accountant.

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What Our Happy Clients Say About Us

FLOW FS

FLOW is the finance broker riders and property owners trust to get them moving

You've found the machine. The finance shouldn't be the thing that keeps it in the showroom. Talk to our specialists about a loan built around how you'll use it, with competitive rates from a panel of more than 40 lenders and most approvals back the same day. We do the running around, you hit the paddock or the tracks.

Get ATV Finance Today

Let’s protect your credit score and access low rates now!

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Let’s protect your credit score and access low rates now!

Fill out the form below, and we will be in touch shortly.