Apply for golf cart financing at TIGON Golf Carts. 0% APR financing available on new golf carts. Fast approvals, flexible terms, and no hidden fees. Apply online or call 1-844-844-6638.
Financing your golf cart is easy at TIGON Golf Carts. Apply online in minutes and get a fast decision. Our 0% APR financing is available on qualifying new golf cart purchases with flexible loan terms and no hidden fees. Our finance team will work with you to find the best payment plan.
TIGON Golf Carts offers 0% APR financing on qualifying new golf carts, terms up to 84 months, and programs for all credit types — including first-time buyers. Six lending partners compete for your loan, used carts from $2,500 qualify, and trade-ins can cover part or all of your down payment.
Financing a used cart instead? View our pre owned golf carts → — financing is available on qualifying pre owned golf cart purchases from $2,500, with terms up to 84 months.
Not sure what your budget should be? Check current golf cart prices by type and brand before you apply. Every financed new cart includes its factory coverage — see golf cart warranty terms.
Golf cart loans work like auto loans: you borrow the purchase price (minus any down payment or trade-in credit), then repay it in fixed monthly installments over a set term — up to 84 months at TIGON. Apply online in minutes, get a same-day decision from one of six lending partners, and drive away once approved. Rates start at 0% APR on qualifying new carts; used-cart loan rates depend on credit profile and term length.
Bruised credit or past bankruptcy doesn't disqualify you — TIGON's six lending partners include programs for all credit types, plus in-house golf cart financing and no credit check golf cart financing options that look at more than a credit score.
Qualified buyers may be eligible for no money down golf cart financing — and a trade-in can serve as your down payment on any program. Prefer to build toward ownership gradually? See rent to own golf carts.
Every financing program available at TIGON, side by side — terms, credit profile, and who each one fits best:
| Program | Terms | Credit Required | Best For |
|---|---|---|---|
| 0% APR Financing | 12–60 months | Good–Excellent (650+) | New carts, lowest total cost |
| Standard Installment | 24–72 months | Fair–Good (580+) | New & used, flexible monthly |
| Rent-to-Own | 12–48 months | All credit types | No credit / rebuilding credit |
| Business / Commercial | 24–60 months | Business credit | Fleets, golf courses, resorts |
| Buy Now, Pay Later | Up to 48 months | Soft-pull pre-qual | Fastest approval path |
| In-House Financing | Custom terms | Bad credit OK | Last-resort / special cases |
Credit requirements vary by lender. Call 1-844-844-6638 for a no-obligation consultation — our team will match you with the right program.
Apply online in minutes with same-day decisions, or call 1-844-844-6638 to talk through which loan program fits your budget. Use the payment estimator on this page to preview your monthly payment before you apply.
There is no universal minimum credit score to finance a golf cart at TIGON Golf Carts. Our lending network — Sheffield BBT, BLI Heartland, DLL Financial, Roadrunner/Octane, Univest Capital, and Dealer Direct — includes programs for buyers across the full credit spectrum, from excellent credit (720+) to challenged credit (below 600). Buyers with lower scores may qualify through our in-house financing or lease-to-own programs, which evaluate factors beyond just the credit score. Call 1-844-844-6638 to discuss which program fits your situation. Related: Apply for financing, In-house financing
In-house golf cart financing means TIGON Golf Carts works directly with you — or through a dedicated Buy Here Pay Here (BHPH) partner — rather than routing your application through a traditional bank. Because approval decisions are made on-site rather than through a third-party lender's underwriting model, in-house programs are more flexible for buyers with no credit history, past bankruptcies, or low credit scores. You make payments directly to the dealership or its designated servicer. Monthly payments, down payment requirements, and terms vary by cart price and your situation. Call 1-844-844-6638 to ask about current in-house programs. Related: In-house financing options, Rent-to-own
Yes — TIGON Golf Carts offers no money down and zero down payment financing on qualifying new and used golf carts through select lending partners. No-down-payment approval depends on your credit profile, the cart's price, and the lender's program guidelines at the time of application. Buyers with strong credit scores (typically 680+) are most likely to qualify for $0-down terms. Buyers with challenged credit may still qualify with a small down payment. Apply online or call 1-844-844-6638 for a same-day pre-qualification. Related: No money down options, Apply now
Golf cart financing rates, terms, and payments depend on the applicant, lender, cart, down payment, and current program. TIGON's advertised 0% APR offer applies to qualifying new golf carts, not used or Certified Pre-Owned carts. Call 1-844-844-6638 for terms tied to the specific cart and application. Related: Zero-percent financing, Monthly payment options
Many TIGON Golf Carts financing applications receive a decision within minutes of submission through our online application. For buyers with standard credit profiles, same-day approval is common. Buyers using alternative programs (in-house, lease-to-own, BHPH) may receive approval decisions within one business day. Once approved, carts available at a nearby TIGON location can often be picked up the same day or next day. Apply online at any time or call 1-844-844-6638 to start a phone application. Related: Instant approval options, Same-day financing
In-house golf cart financing is a financing arrangement where TIGON Golf Carts — or its dedicated Buy Here Pay Here (BHPH) partner — extends credit directly to the buyer instead of routing the application through a bank or third-party lending institution. Traditional bank loans require a formal credit inquiry, strict underwriting, and approval from an external institution whose criteria may disqualify buyers with low credit scores, recent late payments, or no credit history. In-house financing bypasses that process entirely. Decisions are made at the dealership level, evaluating the full picture of your financial situation — income, employment stability, down payment ability, and more — rather than relying solely on a credit score. The result: more buyers qualify, approvals happen faster (often same day), and terms are negotiated directly with TIGON's team rather than dictated by a bank's underwriting model. Payments are made directly to the dealership or its servicing partner. Call 1-844-844-6638 to learn whether you qualify for TIGON's current in-house program. Related: In-house financing options, Apply now
In-house golf cart financing at TIGON Golf Carts is designed to be more accessible than traditional bank financing, with no strict minimum credit score required. Eligibility is evaluated on a case-by-case basis, but general requirements include: proof of income (pay stubs, bank statements, or tax returns demonstrating ability to make monthly payments), a valid government-issued photo ID, a verifiable residential address and contact information, and a reasonable down payment — typically 10–20% of the cart's purchase price, though this varies by situation and inventory. Buyers with past bankruptcies, repossessions, or open collections may still qualify; our team reviews each application individually. Demonstrating stable, consistent income is the single most important qualifying factor. There is no hard minimum score, but buyers with very recent bankruptcies may be asked for a larger down payment. Call 1-844-844-6638 to speak with a financing specialist who can assess your specific situation before you formally apply. Related: Bad credit financing, No credit check options
Yes — TIGON Golf Carts offers golf cart loan refinancing options that may lower your monthly payment or reduce your interest rate if your credit profile has improved since your original purchase. To refinance, you will typically need the payoff amount from your current lender, proof of income, a government-issued ID, and information about the cart (year, make, model, and current condition). Refinancing can be a smart move if rates have dropped, your credit score has increased, or you want to extend your term for a lower monthly payment. Call 1-844-844-6638 to speak with a financing specialist about whether refinancing your golf cart loan makes sense for your situation. Related: Refinancing options, Low interest financing
Many applications submitted through TIGON Golf Carts' online financing portal receive a decision within minutes. For buyers with standard credit profiles, same-day approval is the norm. In-house and BHPH program decisions arrive within one business day. Once approved, in-stock carts at a nearby TIGON location can often be picked up same-day. Apply at tigongolfcarts.com/financing/apply or call 1-844-844-6638. Related: Instant approval options, Apply now
Traditional bank loans require a formal credit inquiry, strict underwriting, and external approval — which can disqualify buyers with low scores, recent late payments, or no credit history. In-house financing at TIGON bypasses that process: decisions are made at the dealership level, evaluating income, employment stability, and down payment ability alongside your credit score. The result is faster approval, more flexible qualification, and terms negotiated directly with TIGON's team. Call 1-844-844-6638 to learn whether you qualify. Related: In-house financing