Make sure you note all the .fine print in any finance plan, particularly a revolving or "card" type loan program. Manufacturer's retail .finance plans change often, sometimes monthly, and depending on the plan they're sometimes pretty attractive. You might even decide to switch brands based on the finance program (at least that's what they're hoping).
Don't expect to see too much of the Zero Interest/Zero Payment plans that car dealers offer, though. The car business has been exceptionally weak for years, and they've had to resort to ridiculously cheap financing in order to attract customers. New ATV sales have been strong in recent years, so expect to pay interest rates that are closer to prime at best when buying a four-wheeler.
One nice thing about most OE finance plans is convenience; the approval process is fully automated and applications are submitted by the dealer online, so you'll know if you're approved or declined in minutes. Decide which loan is right for you, just like you take the time to pick the right machine. If you do you're shopping in advance, it's a safe bet that you're going to save big money on the financing.