The wisest way is paying cash down. But if that's not possible, do a little research to figure out how to get yourself the best financing possible. The ATV manufacturers usually have detailed information about their financing deals on their websites. Also, you could look into taking out a loan. A little number crunching will let you know which route is ultimately going to be the cheapest.

If you do want to buy a used machine, I think taking out a loan is your best route. That way you aren't restricted to looking for machines from dealerships only.