My experience with the dealers is don't get a loan from them if possible. They usually charge a higher interest rate.

Check your bank or credit union, they will give you a better rate.

 

When i got mine my dealer recommend me to go to a bank my interest rate is 8%

 

When I financed my quad, Polaris interest was at 13.25%. I finacned through my credit union (Navy Federal) and got a 9.9% But again, like someone said before, you are fairly young in the banks eyes, so do not get upset if you do not see such a low interest rate.
I think the average for ATV loans is around 12%. Most banks consider ATVs as luxury, so you don't get a low interest like you would with a car.

 

I have a 00 335. The rate through polaris was 17.99% at about 72 months thats how the payment is so low. I went to my bank and got 7% for 48 months. Pretty good deal all things considering.

 

Bought mine in 11/99, and at the time Polaris was running a 6.9% program for one year. I put 3k down and divided the remainder by 12 and am making a payment of 'buot 380/month. I think it was adjusted up for longer terms. Try to get shorter term, four years is too long. Have fun.