FAST, FLEXIBLE FINANCING
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Golf cart financing
Consumer & Commercial Financing Options
Choose consumer financing for personal purchases or commercial financing for business, fleet, golf, turf, or institutional vehicles.
Consumer Financing Options
For personal-use golf cars and qualifying new or used vehicles. Scan a QR code or select one lender application to begin.
Fast online process
Review lender terms before submitting
Direct consumer application
DLL determines approval and final terms
Quick online application
Review Octane's current program details
Current program information
View official lender options and terms
Applications, approvals, rates, payments, and final terms are determined by the participating lender.
Commercial Financing Options
For businesses, fleets, golf and turf operations, resorts, campuses, and other commercial buyers.
Commercial Application Downloads
Choose the appropriate lender application, complete the requested business information, and work with Cart Mart on the vehicle quote and lender submission.
DLL Commercial Application
Golf, turf, and commercial financing application for qualifying business purchases.
Download DLL ApplicationWells Fargo Commercial Application
Commercial credit application for qualifying equipment financing requests.
Download Wells Fargo ApplicationWhat happens next
Three steps from application to a complete financing plan
Choose the right application
Select consumer, Touch-and-Go, or commercial financing based on who is buying and how the vehicle will be used.
Apply with the lender
Submit the identification, residence, income, ownership, or business information requested by the lender.
Review the final terms
Confirm the approved amount, down payment, rate, payment schedule, fees, eligible add-ons, and any promotional deadlines.
Important program information
Financing terms depend on the lender and the transaction
$0 Down Financing
$0 down financing may be available to qualified consumer customers through participating third-party lenders and is subject to credit approval. It is not available for commercial or fleet purchases.
Availability can vary by location, lender, vehicle type, purchase amount, and applicant qualifications. Taxes, fees, accessories, delivery charges, and optional add-ons may be included in the financed amount only when allowed by the lender.
General Financing Terms
Cart Mart is not a lender, does not make credit decisions, and cannot guarantee approval, rates, payments, or loan terms. Participating lenders determine all credit and documentation requirements.
Promotional rates and deferred-interest programs, when offered, can change or end without notice and may not be combined with other incentives. Review the lender disclosure and promotional deadline carefully.
Frequently asked questions
Golf cart financing FAQ
Is Cart Mart the lender?
No. Cart Mart helps connect customers with participating third-party lenders. The lender determines approval, interest rate, payment, term, and required documentation.
How long does a pre-approval last?
Consumer pre-approvals are generally valid for 30 days from the application date. Confirm the current validity period and any conditions directly with the lender.
Can I finance a used golf cart?
Financing may be available for qualifying new and used golf cars. Eligibility depends on the lender, vehicle, purchase amount, applicant, and current program rules.
Can accessories, warranties, or service plans be financed?
Eligible accessories, delivery charges, extended warranties, and service plans may be included when permitted by the lender. Confirm what is included before accepting the financing agreement.
What information might a lender request?
Consumer lenders may request identification, proof of residence, income verification, and other credit documentation. Commercial lenders may also request company, ownership, tax, banking, and equipment information.
How does promotional financing work?
Promotional rates or deferred-interest programs may be offered on approved credit for qualifying purchases. Programs can change without notice, may have strict payoff deadlines, and may not combine with other promotions.
Which application should a commercial buyer use?
Commercial and fleet customers should use the DLL or Wells Fargo commercial application and contact Cart Mart with the vehicle, quantity, business use, and timing required for the purchase.
Need help choosing an application?
Talk with the Cart Mart team before you apply
Share whether the purchase is personal or commercial, the vehicle you are considering, and any timing requirements. We can direct you to the appropriate available application.