Flexible Financing
Flexible Financing for Your Ranger
We offer competitive rates and customizable payment plans to fit your budget. Own your Polaris Ranger today with terms that work for you.
Financing Options
Choose the financing plan that suits your needs best
Standard Financing
Starting at 4.99%
- 24-72 month terms
- Competitive APR rates
- Quick approval process
- Flexible payment schedules
Promotional Offer
0% APR*
- On select models
- Up to 48 months
- Limited time offer
- Prime credit required
Lease Program
Flexible Terms
- 24-36 month leases
- All-inclusive maintenance
- Latest model access
- Upgrade anytime
Payment Calculator
Customize Your Payment
$0
Down Payment: $2,000
$10,000
Down Payment: $2,000
$10,000
*Rates vary based on credit score and term
Monthly Payment
$242
Total Amount Due
$5,808
Vehicle Price
$7,499
$7,499
Down Payment
-$2,000
-$2,000
Amount Financed
$5,499
$5,499
Interest Charges
$309
$309
Total Cost
$5,808
$5,808
Financing Plans Comparison
| Plan | APR Range | Term | Best For |
|---|---|---|---|
| Standard Finance | 4.99% – 9.99% | 24 – 72 months | Most buyers |
| 0% APR Promo | 0%* | Up to 48 months | Excellent credit (760+) |
| Lease Program | N/A | 24 – 36 months | Want latest model |
| Dealer Trade Credit | 4.99% | 36 – 60 months | Trade-in available |
How It Works
Simple 4-step process to get financed
1
Apply Online
Complete our quick online form. Takes just 5 minutes with basic information.
2
Get Pre-Approved
Receive an instant approval decision. No impact on credit score.
3
Choose Your Vehicle
Pick your Ranger model and customize with accessories.
4
Drive Home Today
Complete paperwork and take possession of your new Ranger.
Frequently Asked Questions
What credit score do I need to qualify?
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Most lenders work with credit scores as low as 620-650 for standard financing. Excellent rates (0% APR) typically require scores of 760 or higher. We work with multiple lenders to help you find the best rate available.
Can I pay off my loan early without penalty?
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Yes! There are no prepayment penalties. You can pay extra on your loan or pay it off in full anytime without additional charges. This can save you money on interest.
What if I have a trade-in vehicle?
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Excellent! Trade-in value reduces your down payment and financed amount. Our dealers will appraise your vehicle at fair market value and apply it toward your new Ranger purchase.
How long does approval take?
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Online pre-approval is instant! Complete your application and receive an approval decision within minutes. Final approval is completed at the dealership.
What insurance is required?
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Lenders typically require comprehensive and collision coverage with your Ranger as collateral. Liability insurance is required by law. Our dealers can help connect you with insurers.
Do you offer business financing?
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Yes! We offer special business financing programs for farms, ranches, and construction companies. Ask your dealer about our commercial financing options with volume discounts.