I am starting to look for a 4x4 utility atv. I am overwhelmed by all the options out there and need some help narrowing down my options. Money is tight so if I go new I want to stay in the $6k range tops. I would need to finance it as well so if anyone knows a good financing deal let me know.

Age: 30
Weight: 185lbs
Experience: Yamaha 350 Warrior, KX 250, YZ 125
Uses: Trail riding, Hill Climbing, Exploring, General Fun
Must Have's: 4x4, Automatic, and hopefully some type of locking differential
Model I looked at so far: 2008 Can Am Outlander 400 EFT XT($6300)

Main Questions:

1.What size will be good for me? Will a 400 leave me wanting more?

2.What are the more reliable models?

3.Anyone have any older model suggestions I should look for?

4.Is the big wheel/Tire and lift something I should think about? I know I'll end up in some mud.

 

Well, I applied for financing today just to see my options and they wanted 20% down and it would be a 19.99% interest rate. So, there is no way I am going to do that so my options just got a bit limited. I am thinking I need to save up for a while and go somewhere with at least a good $2k-$3k. That way I can get in something for $6k and finance the difference.

 

I know Polaris has offers for $800 cash back and 4.99% on some models. Check each manufacturer's finance deals. You should be able to get some kind of deal with the economy being slow.

 

Its tough. Everybody is having deals, but they are very strict on who is accepted. I have good credit as well and got turned down for Suzuki's.

 

i never finance through the dealer, best fixed rates are through your local credit union, usually not as strict on your credit as well. i have a 2007 honda 420 rancher 4x4 i think my rate is 8 percent fixed through my local credit union, i have seen great deals on these 420 ranchers new out the door for like 4499 out the door,

 

Dang your credit must really suck. Got 6% through my credit union on my last loan. Have never had one over 8%.

 

I got my loan through a normal bank.. 7% no money down on my grizz

 

Since you know you are going to wind up in the mud would go with independent suspension. Work your way into the lift if needed. Start stock & go with accessories as needed when you feel.
I believe a 400 will leave you wanting more. My wife has a 400 outty, while fun to ride it just isn't all that after the 800.
I have seen holdover sp500's for about 5400. Good machine has what you are looking for.

 

<div class="FTQUOTE"><begin quote>Originally posted by: upnort

Dang your credit must really suck. Got 6% through my credit union on my last loan. Have never had one over 8%.</end quote></div>

If you read my post my credit is actually good. Due to this credit crunch many banks have become very strict. This doesn't mean my credit sucks. I own 2 homes and have never been late on a payment. My cars are payed off. I have 1 credit card that I always pay on time. Have you not watched the news in the last month? People can't buy as much because of credit being tightened up. That is why the government is trying to get banks to loan again. The 19.99% with 20% down was through Suzuki's financing which is GE. They are one of the company's that F&*ked themselves by lending to people who couldn't afford it. Now they are scared to loan to anyone.

 

<div class="FTQUOTE"><begin quote>Originally posted by: mbogosia

<div class="FTQUOTE"><begin quote>Originally posted by: upnort



Dang your credit must really suck. Got 6% through my credit union on my last loan. Have never had one over 8%.</end quote></div>



If you read my post my credit is actually good. Due to this credit crunch many banks have become very strict. This doesn't mean my credit sucks. I own 2 homes and have never been late on a payment. My cars are payed off. I have 1 credit card that I always pay on time. Have you not watched the news in the last month? People can't buy as much because of credit being tightened up. That is why the government is trying to get banks to loan again. The 19.99% with 20% down was through Suzuki's financing which is GE. They are one of the company's that F&*ked themselves by lending to people who couldn't afford it. Now they are scared to loan to anyone.</end quote></div>

You can have an excellent credit score and still not qualify for a loan. They go by your debt to income ratio. If you make $1000 per mo. and you owe $600 in payments per mo. then you're in the 60% bracket, and that is about the maximum they will allow you to be so you may not qualify for a loan.
Credit unions are your best bet in that case. They will sometimes extend the credit to you if you are on the "line". Banks usually will not.
Good luck, and I'd go with a 500cc machine or bigger! JMO!