Finance question
Can I finance an ATV or side by side?
Yes. A quad bike or side by side used on a farm or business is standard equipment finance secured by the machine. It funds across 40+ lenders up to $500,000, often with no financials, and clean deals are frequently approved in 24 to 48 hours.
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The short answer
Farm and work machines are fundable
An ATV or a side by side, sometimes called a UTV or buggy, is a working machine, and lenders finance it like any other piece of business plant. A quad bike for checking stock and fences, or a side by side for carrying tools, spray tanks and crew around a property or worksite, holds value and stays in the business, so the machine itself secures the loan.
Prices sit in a comfortable small to mid-ticket band. A single work quad often lands in the mid thousands to low tens of thousands, while a well-specified side by side with a cab, tray and accessories can run higher again. All of it is well inside equipment finance to $500,000, and it is common to finance two or three machines on one facility.
Farms, orchards, vineyards, tourism operators, mine sites and civil contractors all run these. Because the machine is solid security, many lenders approve low-doc or no-doc on an ABN and a clean history, which suits primary producers and seasonal operators who do not want to hand over financials for a work vehicle.
Do you qualify?
What makes an ATV or UTV deal fundable.
The machine
A quad bike or side by side as the security.
An active ABN
Farms, sole traders and companies all qualify.
Accessories included
Cab, tray, spray unit and more can be bundled in.
A fast turnaround
Clean deals often approve inside 24 to 48 hours.
Why financing a work ATV makes sense
The machine secures it
A quad or side by side holds value, so it is strong security.
Suits rural income
No-doc options fit farmers and seasonal operators.
Bundle the extras
Cabs, trays and spray units can sit inside the same facility.
A real example
A vineyard buys a $28,000 side by side with a cab and a spray unit fitted, to move crew and gear between rows. Funded on a no-doc equipment facility secured by the machine and approved inside two days on an ABN and a clean record. Illustrative only.
Common questions
Frequently asked questions
Does the ATV need to be for business use?
Yes. It needs a business use and an active ABN. Farms, contractors, tourism and mine-site operators qualify; purely private use does not.
Can I finance accessories like a cab, tray or spray unit?
Often yes. Fitted accessories are usually bundled into the same facility, secured by the machine along with the base unit.
Do I need financials for a work quad or side by side?
Often no. Because the machine is solid security, many lenders approve low-doc or no-doc on an ABN and a clean history, subject to assessment.
Can I finance more than one machine at once?
Yes. It is common to fund two or three quads or side by sides for a property on a single facility, sized to the total.