Golf Cart Financing for New & Pre-Owned Carts

Subheading: Flexible payment plans • Starting at 0% • No hidden fees

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Affordable Golf Cart Financing, Built Around You

Buying a new or pre-owned golf cart is a real investment — and Lone Star Golf Cars makes it easier to say yes. We understand that most of our customers would rather spread payments out over time than write a big check upfront. That’s why we offer flexible financing options with competitive rates and straightforward terms, so you can drive home in the cart you actually want without stretching your budget thin. We work primarily with Sheffield Financial, one of the most trusted lenders in the powersports industry, to get you fast approvals and terms that make sense. Apply online in minutes or walk into any of our nine locations and we’ll handle it together.

Ready to Finance Your Cart?

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Tailored Financing Solutions

No two buyers are in the same financial situation, and we don’t treat them like they are. At Lone Star Golf Cars, we take the time to understand your needs — your monthly budget, your timeline, and your goals — and we match you with the financing plan that fits. Whether you’re putting a little down or a lot, whether your credit is excellent or a work in progress, we have options that work for real people. Our team will walk you through every step clearly, with zero pressure and zero surprises.

Financing FAQs

Everything you need to know about financing your golf cart at Lone Star Golf Cars

Most lenders look for a score of 650 or higher for the best rates, and there is no minimum purchase requirement to get started. If you're building your credit, don't worry — we offer specialized programs for scores as low as 550, as well as a guaranteed-approval Rent-to-Own option that requires no credit pull at all.
Yes! Financing is available for both new and used models. New carts often qualify for lower interest rates and longer repayment terms because they are considered lower-risk assets. Pre-owned carts are also fully financeable with competitive options available.
Most golf cart loans range from 12 to 72 months. A shorter term saves you money on interest, while a longer term (up to 84 months in some cases) provides more affordable monthly payments — the right choice depends on your budget and goals.
While some promotional offers allow for $0 down for highly qualified buyers, a standard down payment is typically between 10% and 20% of the purchase price. A larger down payment can help secure a lower interest rate and reduce your monthly commitment.
Lone Star Golf Cars works with reputable lenders like Sheffield Financial, whose standard installment loans typically feature no prepayment penalties. This means you can save on interest by paying off your balance ahead of schedule whenever you're ready.
Absolutely. Most financing packages allow you to roll the cost of custom features, parts, and extended warranties into one single monthly payment — so you can build the cart you want without multiple separate transactions.
No, comprehensive insurance is not required to secure financing through our lenders. While we always recommend checking with your provider to protect your investment, it is not a prerequisite for loan approval.
The application process is fast and efficient. In many cases, you can receive a credit decision within minutes of submitting your application. Our team is standing by to help move things along as quickly as possible.

Ready to Finance Your Golf Cart?

Our team is here to answer your questions and help you find the perfect financing solution.

Apply for Financing

Why Finance Instead of Pay Upfront?

Financing isn’t just for people who can’t afford to pay cash — it’s a smart move for anyone who’d rather preserve their savings for other priorities. With low monthly payments and rates starting at 0%, financing a golf cart from Lone Star is a practical, flexible way to own the cart you want right now.

-new golf carts

financing for new golf carts

There’s nothing quite like driving home in a brand-new cart — and with Lone Star’s financing options for new models, it’s more affordable than you might think. New carts typically qualify for the best interest rates and longest repayment terms, meaning your monthly payment stays low while you enjoy everything a new cart has to offer.

“From Club Car to EZGO to Yamaha, we have new inventory across all our Texas locations — and we’ll help you finance the exact model you want.”

Rates Starting at 0% for Qualified Buyers

Highly qualified buyers may be eligible for promotional financing starting at 0% — you pay exactly what the cart is worth, nothing more.

Terms Up to 84 Months

Spread your payments over up to seven years for the lowest possible monthly commitment on a new cart purchase.

Financing for Used Golf Carts

If you’re in the market for a reliable pre-owned golf cart but prefer to finance your purchase, Lone Star Golf Cars has you covered. Our financing solutions for used golf carts offer a convenient and accessible way to own a quality vehicle at an affordable price point. Whether you’re a seasoned golfer looking for a dependable option on the course or seeking a versatile and efficient mode of transportation for your community, our financing options for used golf carts provide the flexibility you need.

Nationwide Shipping Available

At Lone Star Golf Cars, we are proud to offer nationwide shipping services for our valued customers across the country. Our team works diligently to ensure that your golf cart is carefully packaged, safeguarded, and transported to your desired location, providing a seamless and reliable shipping experience. With our trusted shipping partners and commitment to customer satisfaction, you can trust that your golf cart will arrive safely and promptly, allowing you to begin enjoying your new ride without delay.

Why Choose Lone Star Golf Cars

When you work with Lone Star Golf Cars for financing a new or used golf cart, you can expect:

  • Extensive Inventory: Lone Star Golf Cars boasts a wide selection of new and pre-owned golf carts, ensuring customers have ample choices to find the perfect model that suits their needs and preferences.
  • Personalized Assistance: Our team is dedicated to providing personalized assistance throughout the financing process, guiding customers to secure the best plan tailored to their individual requirements.
  • Transparency and Clarity: Lone Star Golf Cars prioritizes transparency and clarity in the financing process, ensuring customers understand the terms, benefits, and obligations associated with their financing plans.
  • Competitive Rates: Customers can benefit from competitive financing rates offered by Lone Star Golf Cars, making it an attractive and cost-effective option for acquiring a new golf cart.
  • Hassle-Free Application: Our streamlined financing application process ensures a quick and hassle-free experience for customers, making it convenient to access financing for a new golf cart with ease.

Make Golf Cart Ownership a Reality With Our Financing Options

Our Texas golf cart dealers are dedicated to providing personalized assistance and guiding you through the financing process, ensuring that you find the best plan tailored to meet your needs. Take advantage of our quick and hassle-free financing application process — contact Lone Star Golf Cars today to begin your financing journey with us!

Financing for New & Pre-Owned Golf Carts

Investing in a new or pre-owned golf cart is a significant decision. Lone Star Golf Cars understands that many of our clients prefer to pay in smaller installments over time, rather than paying the entire amount up-front. No problem — we have financing options available to ensure that you can afford the golf cart of your dreams today!

Our Texas golf cart dealers are dedicated to providing personalized assistance and guiding you through the financing process, ensuring that you find the best plan tailored to meet your needs. Take advantage of our quick and hassle-free application process — contact Lone Star Golf Cars today to begin your financing journey with us!

Fast Approval Flexible Terms 12–84 Months All Credit Welcome Nationwide Shipping Available

We Partner with Industry-Leading Lenders

From competitive national providers like Sheffield Financial to flexible in-house payment solutions, we find the right fit for your budget — wherever you are in Texas or across the country.

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Our Locations

Irving, TX

3300 Royalty Row
Irving, TX 75062

Lubbock, TX

8507 Urbana Ave
Lubbock, TX 79424

Midland, TX

3912 W Wall St
Midland, TX 79703

Georgetown, TX

1305 Blue Ridge Drive, Suite 502
Georgetown, TX 78626

Longview, TX

3404 N Fourth St
Longview, TX 75605

Albuquerque, NM

8500 Los Volcanes Rd NW, Suite A
Albuquerque, NM 871210

Little Rock, AR

7520 Counts Massie Rd
Suite 1
North Little Rock, AR 72113

Edmond, OK

(405) 562-2015

17 W 7th St
Edmond, OK 73003

Amarillo, TX

11750 Bold Venture Ave
Canyon, TX 79015

New york

Florida/California