A lien is basically a guarantee for the person or financial entity that lent you the money for something you wanted to buy. If you have a mortgage on your home, for example, then your bank has a lien on your home until you completely satisfy the loan. Selling an All Terrain Vehicle, or ATV, with a lien is really no different than selling a car or home that has a lien.
Find out how much you owe on the ATV. You can do this by looking at your last bank statement and finding your remaining balance or calling the bank directly and getting an updated balance.
Look over the ATV thoroughly before listing it for sale. If you still owe money on it, you will want to get enough to at least cover how much you owe. Ensuring your ATV is in proper working condition will allow you to ask for a competitive price.
Determine a price for the ATV. Look over other advertisements for similar size and brand ATVs made in the same year. Evaluate how your ATV compares and figure in how much you owe as well.
List your ATV on a local classified ad website, in the local paper or in a newsletter for ATV enthusiasts. Ensure that any offer you accept will clear the title for the new owner.