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RECREATIONAL VEHICLES MADE
FOR WINTER ADVENTURE SEEKERS

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La Niña has arrived, and it’s expected to be “moderate to strong.” You know what that means—a colder, stormier winter is coming to the Pacific Northwest.

If you’re the adventurous, outdoorsy type, that’s great news. Perhaps memories are still fresh of your younger self cutting through snowdrifts in a snowmobile or ATV. Or the thrill never left and you’re looking to upgrade your ride. Maybe you’re like a lot of Americans attempting to navigate a strange 2020: You really want (need?) to get away from the house and try something (anything!) new and exciting—even if it’s just driving somewhere different to park and take in the wintry landscape.

It may not be hyperbole to say vehicles for adventure seekers will be more popular than ever this winter. But where to begin? We’ve got you covered with this mini guide on snowmobiles, ATVs, and RVs. And once you’re ready to take the plunge, SELCO offers competitive rates on loans and insurance for these types of vehicles.

Snowmobiles

Snowmobiling is a very popular activity. More than a million snowmobiles are currently registered in the United States while over 50,000 have been sold in the United States in 2020. You can expect to spend anywhere from $3,000 to $18,000—the price of a new compact car!—on a new snowmobile, but you can also pick up a used one for as little as $1,000. Throw in a trailer or sled deck to haul the machine, maintenance costs, safety equipment, etc., and you have yourself quite the monetary commitment.

Are you new to snowmobiling or need a refresher? Check out this resource for safety tips, destinations, local dealers, and more.

ATVs & Side-by-Sides

All-terrain vehicles (ATVs)—also known as four-wheelers or quads—are so named because you can take them on basically any surface. In Oregon, there is a diverse range of terrain for ATV use year-round—coastal dunes, desert and wooded trails, etc. Utility terrain vehicles (UTVs), often called side-by-sides, are also becoming increasingly popular. For winter fun, these machines can be equipped with tracks and skis to more effectively navigate through snow. New ATVs generally cost $2,000 to $15,000, and UTVs go for anywhere from $8,000 to $30,000. For comprehensive pricing on new and used ATVs and UTVs, NADA is a great resource.

To help finance your purchase of a snowmobile, ATV, or side-by-side, SELCO offers loans with interest rates as low as 4.49% and terms up to 84 months.

Recreational Vehicles (RVs)

Not surprisingly, airline traffic is down considerably in 2020. But people still want to get away.

Enter recreational vehicles.

Touring the country in an RV has been a wildly popular alternative to flying in 2020. In July, the RV industry enjoyed its best month ever in terms of retail sales. Rentals also skyrocketed—back in May, RVshare, a sort of Airbnb for RVs, reported a more than 1,000% spike in bookings.

If you’re feeling that “itch to explore” like many others are, an RV is a great way to enjoy year-round campgrounds or visit some national parks. Toy haulers are also a great way to enjoy winter recreation, offering a “garage” for your snowmobile or ATV along with the usual camping amenities. And once you’re ready to join the RV revolution, check out our RV Buying Guide and RV loans with rates as low as 4.49% and terms up to 180 months.


The weather may be turning cold, but adventure doesn’t have to be put on hold until spring. Your inner explorer just may be ready to climb aboard an ATV or snowmobile or crave some time away in an RV to bask in winter’s natural beauty. Visit selco.org to apply for a loan today.

“There are so many options when it comes to these luxuries,” said Laura Tryon, Lending Administration Manager at SELCO. “Now is the time to start looking so that you know what you like, what you want, and what you really need and how much it might cost to get it. Getting pre-approved at SELCO also helps you to know what price range you should stay within.”

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