Calculadora de Préstamos para ATV/UTV
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Préstamos para ATV/UTV
Un crédito excelente (720+) suele obtener un APR del 5,5-7%, mientras que un crédito bueno (680-719) ve un APR del 7-9%. Un crédito regular (640-679) paga un APR del 11-13%. Las cooperativas de crédito y los prestamistas especializados en powersports suelen ofrecer las mejores tasas. El financiamiento promocional del fabricante puede ser de 0-3,9% APR durante las temporadas de ventas (primavera/otoño).
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Sources & References
ATV Depreciation Rates
ATVs typically depreciate 15-20% in the first year, 10-15% in years 2-3, then 5-10% annually thereafter. A $12,000 new ATV may be worth $7,000-8,000 after 3 years.
Recreational Debt Carries Higher Risk
Financing recreational vehicles is riskier than financing essential transportation. If income is disrupted, recreational purchases are often the first loans to default. Ensure you have stable income and emergency savings before taking on recreational debt.
⚠️ Recreational Debt Carries Higher Risk
Rates Vary by Credit and Lender
ATV loan rates range from 3-12% depending on credit score, loan term, new versus used, and lender. Credit unions typically offer the best rates. Shop multiple lenders before committing.