ATV accessory financing helps you get what you want or need, from safety equipment to distinctive paint and upgraded music systems. Offer is subject to credit approval by Synchrony Bank.
ATV Accessories
Getting your hands on a new ATV, quad or side-by-side is thrilling. When it's new, your machine is a blank slate. Personalizing your ATV with accessories, equipment and upgrades can allow you to get the most out of your new 4x4 and pursue the powersports you love.
Customizing your ATV from the dealer
Before purchasing a new machine from an ATV dealer, think about what customizations you'd like to make. While you can always add features later, it's often easier to customize right from the dealer. That way, when your ATV arrives, it's exactly what you're looking for. Popular manufacturers offer hundreds of customization options.1 If you finance your ATV purchase with a Synchrony installment loan, you may be able to roll the accessories into the loan for one convenient monthly payment.*
Working with a reputable dealer can help make the customizing process less overwhelming. When you’re considering customization options from the dealer, ask yourself these questions:
- What will the primary use of the ATV be? If you’re working on a farm, choose a winch, hitch or trailer that can help with towing and hauling. For rock crawling and exploring muddy trails, upgrade to a locking differential. Rough terrain demands bumpers and upgraded tires.
- Who's riding? For family days out, you’ll want to upgrade available seating. If you want to take rides by yourself or you plan to race, opt for a lighter one-seat ATV.
- What do you need to carry? ATV and UTV accessories like cargo beds, enclosed cargo holds and roof racks are great if you can't travel light.
- When will you use it? If you'll be riding in cold or wet weather, consider aftermarket upgrades like windshields, a roof or a fully enclosed cab.
DIY ATV upgrades
Before you start using your ATV, consider features you'd like to add to enhance the experience. Maybe you’ll need someplace to store your hunting equipment, you’ll want to hear your music over the roar of the engine, or you’re craving a bit more power. Here are some common ATV upgrades that you may be able to roll into your ATV financing at the time of vehicle purchase.*
| Upgrade | Description | Estimated Cost |
|---|---|---|
| Aluminum wheels | Aluminum wheels are lighter and could help you go faster. | $200 for all four2 |
| Slip-on exhaust | Slip-on exhausts replace the end of your exhaust pipe, making for an easy DIY upgrade. They'll give you a small power increase, great sound and a stylish look. | $200-$300+2 |
| Air filter system upgrade | Improving your air filter system can give you more power and help save you money in the long run. | $40-$200+2 |
| Wheel spacers | Wheel spacers widen the stance of an ATV. They make it easier to handle and more comfortable to steer, particularly through corners. | $70-$200 per pair2 |
| Wrapping | Wrapping an ATV protects the paint and allows you to customize its appearance. | $600-$900, plus $200-$300 for labor3 |
| Stereo | Upgrading your sound system allows you to hear your music better over the roar of the engine. | $129-$1,000+4 |
ATV accessories
Customizing your ATV can give your machine the appearance and performance you want, plus ATV accessories can make your ride safer and more enjoyable. When it comes to 4x4 accessories, the possibilities are endless, but the price can add up fast. Financing your ATV and accessories with one loan helps you get what you need right out of the gate with convenient monthly payments.*
ATV safety equipment
Whether you're a new rider or an experienced one, ATV safety should be at the forefront of your mind. Investing in high-quality and comfortable protective equipment makes you more likely to wear the items that keep you safe. As you become a better rider and take on more risks—like racing or jumping—upgrade your safety equipment to ensure its offering enough protection. Here's what all riders need:5
| Item | Description | Estimated Cost |
|---|---|---|
| Helmet | Look for a Department of Transportation (DOT) compliant motorcycle helmet. Since these must fit snugly, each rider should have their own. | Roughly $100 and up6 |
| Eye protection | Powersports goggles protect your eyes from dirt and debris and help ensure you can always see where you're going. | $15-$30+7 |
| Gloves | Gloves help you keep a grip on your ATV handlebars and protect your fingers and knuckles in the event of a crash. | $15 and up8 |
| Chest protector | Chest protectors shield your torso from debris and help absorb impact if you're in a crash, protecting your vital organs. | $30 and up9 |
| ATV boots | ATV boots protect your feet from debris and allow you to hold your stance, which is critical for operating an ATV safely. | $100 and up10 |
| Riding pants | While any long pants can keep you safe on an ATV, riding pants are reinforced for extra protection. They're also engineered to give you the flexibility and movement you need to ride safely. | $60 and up11 |
| Safety course | A safety course will teach you the basics of trail safety and how to operate an ATV. Although not required, a safety course is a great idea for new riders. | Free in many states12 |
Advanced ATV accessories
Once you've covered the basics, you can really start having fun. Customize and tailor your ATV accessories to the way you use your machine. With a little planning, these accessories can help you go farther and do more with your ATV, allowing you to get the most out of the money you've put into your ATV.
| Accessory | Description | Estimated Cost |
|---|---|---|
| Communications system | In remote locations, cell service might not work. Walkie-talkies, headset systems and group ride radios let you keep in touch with the people you're riding with, no matter how far off the beaten path you go. | $100-$600+13 |
| Camping equipment | Want to get away from it all? You'll need a tent, chairs, cooking equipment and other essentials to pack onto your ATV. | $35-$300+14 |
| Navigation | GPS systems help ensure that you avoid getting lost and trackers let you know where your ATV is at all times. | $199-$700+15 |
| Winch | Whether you need to help a friend out of the mud or pull out a stump on the farm, a winch is an invaluable tool. | $239-$500+16 |
| Trailer | A trailer lets you take your ATV to new places and provides a spot to store it out of the elements. | Roughly $2,000 for a basic utility trailer; $8,000+ for an enclosed trailer17 |
Financing accessories for your ATV is made easy with the Synchrony Outdoors Credit Card. It’s a card that can be used at powersports retailers to help you get the powersports parts, gear, accessories and even fuel you need to maintain your ATV.**
Know your ATV brands
When you're financing ATV accessories, you want to know you're getting quality products that will last. Understanding the benefits of different ATV brands can give you some peace of mind. The best brands for ATV accessories are those that have established themselves as ATV manufacturers. Do your research to find out which brand is the best for you.
ATV resources
Want to learn more about ATVs, accessories and 4x4 ownership? Check out these resources:
- Specialty Vehicle Institute of America® (SVIA): A nonprofit dedicated to ATV awareness and safe operation
- All-Terrain Vehicle Safety Institute® (ASI®): A division of SVIA dedicated to safe operation and training courses
- Dirt Wheels Magazine: A publication covering all aspects of ATV and UTV ownership
- ATV Info: A website covering ATV club listings, forums and more
- Your state's Fish and Game Department or Department of Transportation
The benefits of financing ATV accessories
ATV costs can add up, especially during the first year when there are a lot of startup fees.
Loans from Synchrony offer flexible terms, allowing you to pay over time.* When you finance your ATV with Synchrony, you can also bundle approved accessories into one monthly payment. That means enjoying your ATV experience now while paying for your ATV accessories over time.
Curious to see how a 4x4 loan and all the accessories can break down into monthly payments? See potential interest rates, terms and more with our ATV loan payment calculator.
If you’ve already purchased your ATV, it can still be easy to finance accessories with the Synchrony Outdoors Credit Card.**
Why choose Synchrony for ATV financing?
A Synchrony loan offers flexible terms, allowing you to pay back the loan over time and make convenient monthly payments.* You can also use the loan to bundle in the approved accessories and gear you need at the time of vehicle purchase.
- Banking you trust: Synchrony is a Fortune 500 bank that’s been helping consumers for more than 90 years.
- Brands you love: We partner with 100+ powersports brands for you to choose from.
- 4,500 dealers: Synchrony loans are offered by over 4,500 dealership partners to help you get the powersports vehicle you want with financing you need.*
- Lightning-fast approval: Get a decision about your loan application in 60 seconds or less.
- Autopayment: Never miss a payment. Call Synchrony’s customer service and set up your automatic payments.
- Early payoff: No early payment restrictions if you’d like to pay your loan off early.
- Equal payments: Make equal monthly payments over the life of the loan, so you don’t have to worry about adjusting your budget
Ready to ride? Find a dealer near you that offers Synchrony financing and click "ATV" under Subcategories.
*Offer is subject to credit approval by Synchrony Bank.
**Subject to credit approval. See mysynchrony.com/outdoors for details.