Financing Available
Easy Golf Cart Financing — Low Monthly Payments
TARA Golf Cart Dealership works with six national lending partners to offer golf cart financing for every credit profile — from 0% APR on new carts to rent-to-own for buyers rebuilding credit. Apply online in minutes, get same-day decisions, and drive away in your cart without delay.
- 0% APR AvailableOn qualifying new carts
- Same-Day ApprovalDecisions in minutes
- 6 Lending PartnersSheffield, DLL, Octane & more
- No Hidden FeesTransparent terms always
Our Lending Partners
We partner with six trusted lenders covering every credit type — good, fair, bad, and no credit history. Click any partner to start your application.
Estimate Your Monthly Payment
Adjust the fields below to see your estimated payment for any cart at any APR.
Estimated Monthly Payment
$0/mo
Apply NowEstimate only. Actual rate and payment depend on credit approval, lender, and cart details. 0% APR on qualifying purchases.
Financing Programs at a Glance
Compare terms, credit requirements, and ideal use case.
| Program | Terms | Credit Required | Best For |
|---|---|---|---|
| 0% APR Financing Best Rate | 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 | Special cases |
Credit requirements vary by lender. Call 1-844-844-3432 for a no-obligation consultation — our team will match you with the right program.
How Golf Cart Financing Works
Three steps from application to keys in your hand.
- Choose Your CartBrowse new and used inventory online. Our team will help you match a cart to your budget and use case.
- Apply in MinutesSelect a lending partner and complete the short online application. Most programs require only basic personal and income information.
- Get Approved & Drive AwayReceive your decision — often same-day. Sign your agreement, arrange pickup or delivery, and you’re done.
Why Finance Your Golf Cart with TARA?
Buying a golf cart outright isn’t always the right move — and it doesn’t have to be. We work with a network of six national lenders so we can offer competitive financing for almost every buyer, regardless of credit history. Whether you’re buying a $5,000 pre-owned cart or a $20,000 street-legal LSV, our finance team will walk you through every option.
- 6 financing partners covering every credit profile
- 0% APR available on qualifying new golf cart purchases
- Loan terms from 12 to 72 months
- Soft-pull pre-qualification with no impact to your credit score
- Rent-to-own and in-house financing available
- Financing on new carts, used carts, LSVs, NEVs, and fleet orders
- Financing team available by phone 6 days a week at 1-844-844-3432
Zero Down Available
Qualified buyers may be eligible for no-money-down golf cart financing. Our $0 down programs cover good, fair, and even bad credit buyers — no hard credit pull to check.
Ask About $0 Down →Buy Here Pay Here
In-house golf cart financing available — no bank required. Approval is based on your income, not your credit score.
Ask About In-House Programs →All Credit Types Welcome
No credit history, bad credit, or past bankruptcy? We have programs for every situation, including rent-to-own. Same-day approvals available.
Ask About No-Credit Options →Frequently Asked Questions
What credit score do I need to finance a golf cart?
With six lending partners we cover every credit profile. Scores of 650+ typically qualify for 0% APR promotions; 580+ for standard installment loans; and rent-to-own or in-house programs accept all credit types.
How does in-house financing work?
We finance you directly — no bank required. Approval is based on your income rather than your credit score, and terms are customized to your situation.
Is no-down-payment financing available?
Yes. Qualified buyers may be eligible for $0 down programs across good, fair, and challenged credit tiers. Call us to see if you qualify — no hard credit pull needed.
What are typical loan terms and monthly payments?
Terms range from 12 to 72 months. Use the payment calculator above to estimate your monthly payment at any price, rate, and term.
How quickly can I get approved?
Most lending partners provide decisions within minutes, and same-day approval is common. You can often complete the whole process — application to signed agreement — in one day.
Can I refinance my existing golf cart loan?
In many cases, yes. Call our financing team at 1-844-844-3432 and we’ll review your current loan and available refinancing options.
Ready to Apply? Call or Apply Online Now.
Our financing team is available 6 days a week. Call to speak with someone directly, or start your application with any of our lending partners.