I agree with John! Hy-tran is the best fluid. If you can't afford it, or don't have it readily available, I would suggest a hydraulic/transmission fluid from a nearby TSC or similar store. Even local parts stores can get it if they don't keep it. Something for a tractor transmission. I wouldn't suggest ATF in your gear drive. It will work fine, but something with a little more weight would be better. I have used ATF in a cub trans that was leaking bad, and I didn't want to put high dollar stuff in it just to watch it run out. No ill effects. I just would use something else in a gear drive.