Apply for powersports financing at Lake Cumberland Motorsports. We offer competitive rates for new & used ATVs, motorcycles, and UTVs. All credit types welcome. Apply online.
Don’t Let the Price Tag Stop the Adventure At Lake Cumberland Motorsports, we believe owning your dream ride should be easy. Our dedicated finance department specializes in powersports loans, helping you get behind the handlebars of a Polaris, Honda, Kawasaki, or CFMOTO sooner. Whether you have pristine credit or are rebuilding your score, we have relationships with multiple lenders to find a payment plan that fits your budget.
Bundle Your Gear: One of the biggest advantages of dealer financing is the ability to bundle. You can often include parts, accessories (like winches or roofs), extended service plans, and even riding gear into one simple monthly payment.
Specialized Lenders: Unlike standard banks that may not understand the value of a Side-by-Side, we work with lenders who specialize in the off-road industry.
Fast Pre-Approval: Our secure online application takes just minutes to complete, and we can often get you approved the same day.
Select Your Vehicle: Choose your new or used machine from our inventory.
Fill Out the Application: Complete the secure form below with your basic information.
Review Your Options: Our finance team will contact you to discuss rates, terms, and monthly payments.
Sign & Ride: Sign the paperwork and take your new machine home!
Yes. We work with a network of lenders who specialize in “second chance” financing. While a higher credit score typically secures lower interest rates, we have options available for riders with past credit challenges or no credit history.
Not always. Many of our manufacturers (like Polaris and Honda) offer “Zero Down” promotions for qualified buyers. However, putting money down or trading in an old vehicle will lower your monthly payment and improve your approval odds.
Yes. Most lenders require you to carry full-coverage insurance on the vehicle for the duration of the loan to protect their investment.
Absolutely. We offer financing on most of our pre-owned inventory, provided the vehicle meets certain age and condition requirements set by the lender.
Powersports loan terms typically range from 36 to 84 months. Longer terms can help lower your monthly payment, while shorter terms will save you money on interest over the life of the loan.