TIGON Golf Carts offers golf cart financing for every credit situation — from excellent credit (720+) to bad credit (below 600) — through a network of six specialized lending partners. Whether you need 0% APR, a no credit check program, in-house financing, or a lease-to-own arrangement, our team will find the path to get you into the cart you need. Apply online in under five minutes or call 1-844-844-6638 for a same-day decision.
A low credit score or no credit history does not disqualify you from financing a golf cart at TIGON Golf Carts. Our in-house and Buy Here Pay Here (BHPH) programs evaluate factors beyond the traditional credit score — including income, employment history, and existing assets. We've helped buyers with scores below 550, past bankruptcies, repossessions, and zero credit history get approved. Programs include:
Financing a golf cart at TIGON Golf Carts is a four-step process. First, apply online or by phone — it takes under five minutes and does not trigger a hard credit pull until you accept an offer. Second, receive a same-day decision — most standard applications are decided within minutes; in-house and BHPH decisions arrive within one business day. Third, review your offer — we present your best match by rate, term, and monthly payment with no obligation to accept. Fourth, take delivery — pick up from your nearest TIGON location the same day or schedule nationwide delivery.
TIGON Golf Carts works with six specialized lending partners to maximize your approval odds:
Each partner specializes in different credit profiles. Our financing team submits your application to the most appropriate lender for your situation — not just the most convenient one for us.
Get pre-qualified today — all credit situations welcome. Call 1-844-844-6638 or apply online. Financing subject to credit approval; terms vary by lender, cart price, and credit profile.
Need $0 down? TIGON Golf Carts offers no-money-down financing on qualifying new and pre-owned golf carts through our six lending partners. Buyers with 620+ credit scores can access bank-backed $0 down programs, while our in-house and BHPH programs offer zero-down options for all credit situations — no minimum credit score required.
See our dedicated page for full details, monthly payment examples, and eligibility: See our $0 down golf cart deals →
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 terms at TIGON typically range from 24 to 72 months. On a $10,000 cart at 0% APR for 48 months, payments are approximately $208/month. On a $7,500 cart at 7.9% APR for 60 months, payments run approximately $152/month. The exact rate and term depend on your credit score, the lender, cart price, and any available promotional offers. TIGON regularly runs 0% APR promotions on qualifying new and certified pre-owned carts — ask our team for current offers by calling 1-844-844-6638. 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
In-house financing requires: proof of income (pay stubs, bank statements, or tax returns), a valid government-issued photo ID, a verifiable residential address, and typically a 10–20% down payment (varies by situation). There is no hard minimum credit score. Buyers with past bankruptcies, repossessions, or open collections may qualify. Stable, consistent income is the most important qualifying factor. Call 1-844-844-6638 to speak with a specialist before applying. Related: Bad credit financing
Yes — TIGON Golf Carts offers golf cart loan refinancing that may lower your monthly payment or reduce your interest rate if your credit profile has improved. You will need the payoff amount from your current lender, proof of income, a government-issued ID, and information about the cart. Call 1-844-844-6638 to speak with a financing specialist about whether refinancing makes sense for your situation. Related: Refinancing options
Yes — TIGON Golf Carts accepts trade-ins at all 15 locations and applies the appraised trade-in value directly toward the financed amount. This effectively reduces your loan principal and monthly payment. Bring your current cart to any TIGON dealership for a no-obligation appraisal, or call 1-844-844-6638 for a phone estimate. Related: Find a location
Yes — TIGON offers commercial fleet financing through DLL Financial and Univest Capital, designed for resorts, campuses, municipalities, and other institutional buyers. Fleet financing programs support orders of 3 or more units with terms up to 72 months and customizable payment structures. Contact our commercial sales team at 1-844-844-6638 for fleet financing information. Related: Fleet financing, Commercial golf carts
Yes — TIGON Golf Carts' lending partners generally allow co-signers on golf cart loans. A co-signer with a strong credit profile can help a buyer with limited or challenged credit qualify for better rates and terms. Both the primary applicant and co-signer must provide proof of income and identification. Call 1-844-844-6638 to ask which lending programs allow co-signers. Related: Apply for financing
If you miss a scheduled payment on a golf cart loan through TIGON's lending partners, contact the lender directly as soon as possible — most will offer a grace period or hardship extension if you communicate proactively. Missing payments without communication can result in late fees, credit score damage, and in severe cases, repossession. For in-house financing, call your local TIGON dealership at 1-844-844-6638 immediately — our team can work with you on a solution. Related: Golf cart financing
Yes — TIGON Golf Carts offers lease-to-own arrangements through select financing partners as an alternative path to ownership for buyers who don't qualify for traditional lending. Under lease-to-own, you make monthly payments and the cart is yours at the end of the term — no large down payment required. Call 1-844-844-6638 to ask about current lease-to-own availability and terms. Related: Rent-to-own
TIGON Golf Carts offers in-house and BHPH (Buy Here Pay Here) programs that require minimal credit review and focus primarily on income verification. While a full no-credit-check loan is uncommon in practice (most programs perform a soft inquiry), our in-house programs do not rely on a hard minimum credit score and are accessible to buyers with very low scores or no credit history at all. Call 1-844-844-6638 to discuss your situation. Related: No credit check options
Yes — TIGON Golf Carts' in-house and BHPH programs are specifically designed for buyers with challenged credit, including discharged bankruptcies, past repossessions, and collections. A down payment of 10–30% and proof of stable income are the primary qualifying factors. Many buyers with prior bankruptcies successfully purchase golf carts through our in-house program. Call 1-844-844-6638 to speak confidentially with a financing specialist. Related: Bad credit financing
Federal EV tax credits (IRA §30D) generally do not apply to golf-cart-class electric vehicles due to weight and battery size thresholds. However, some heavier commercial electric LSVs may qualify. Several states offer their own EV rebates and incentives for low-speed electric vehicles — check your state energy office for current programs. For commercial buyers, Section 179 depreciation may apply to electric utility carts purchased for business use. Consult a tax professional for your specific situation. Related: Electric golf carts