Golf Cart Financing in Pennsylvania: Options, Rates & Tips

By TIGON Golf Carts Team

Golf Cart Financing in Pennsylvania

Buying a golf cart is a significant investment — most new models range from $6,000 to $20,000+. The good news: TIGON Golf Carts has partnered with some of the country's best golf cart lenders to make owning a cart affordable for Pennsylvania buyers at every price point.

Our Pennsylvania Financing Partners

Sheffield Financial / BBT

One of the nation's largest golf cart lenders. Sheffield offers rates from 0% promotional APR to competitive market rates for standard applicants. Terms up to 84 months. Great for buyers in Hatfield, Pocono, and throughout PA.

BLI Heartland

Specialty lender focused on recreational vehicles and golf carts. Flexible terms for new and used carts. Strong approval rates for buyers across the credit spectrum.

DLL Financial

Excellent for commercial and fleet purchases — popular with Pennsylvania golf courses, HOAs, and businesses in the Scranton/Wilkes-Barre market.

Roadrunner Financial / Octane

Fast approvals, often same-day decisions. Good option for buyers who want quick turnaround. Serves the entire PA market.

Univest Capital

A Pennsylvania-based lender — familiar with the local market and golf cart lending. Particularly strong in the suburban Philadelphia corridor around our Hatfield location.

Apply for financing online →

Current Promotional Offers

  • 0% APR Financing: Available on select new golf cart models for qualified buyers. Ask at any TIGON PA location.
  • Low Down Payment: Programs starting with as little as $0 down for excellent credit.
  • Extended Terms: Up to 84 months to keep monthly payments manageable.

See all financing options →

What Affects Your Golf Cart Loan Rate?

  • Credit score: 720+ typically qualifies for the best rates; 680–720 for standard rates; below 680 may require special programs
  • Down payment: Larger down payments reduce rate and monthly payment
  • Loan term: Shorter terms have lower total interest; longer terms have lower monthly payments
  • Cart type: New vs. used and cart age affect lender programs
  • Income verification: Steady income documentation speeds approvals
  • Learn about bad credit financing options →

    Pennsylvania-Specific Considerations

    Sales Tax: Pennsylvania's 6% sales tax applies to golf cart purchases (some counties add a local 1–2%). Our team calculates the exact total at the time of purchase.

    Titling costs: If registering as an LSV, factor in PennDOT title and registration fees.

    Insurance: Lenders typically require comprehensive/collision coverage when financing. This adds to monthly ownership cost but protects your investment.

    Get Pre-Approved at Any PA TIGON Location

    Walk into any of our Pennsylvania dealerships with a soft credit inquiry (no impact to your score) pre-approval. Our finance managers work with all four lenders to find your best offer.

    Back to PA Golf Cart Guide → Browse inventory → Apply for financing now →
    Call Now — 1-844-844-6638 Explore Financing Options