At some point in the next year or so, I am going to trade in a 2004 Honda ATV that I paid cash on, for a side by side UTV. I have never financed anything but my Car, Truck and my new mortgage and don't know what they would be looking for.

Would anybody have any idea how close this is to standard auto financing or any other helpful info?

I know my scores are Eq 654, EXP is 697 (LO pull) and Trans is 689.

Thanks.

Is considered a recreational vehicle. Rates are usually slightly higher, and qualification slightly tighter.