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.
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