Financing
Drive now, on terms that suit you.
We finance through two trusted partners so you can choose the option that fits best — prequalify in minutes and we'll take care of the rest.
Our financing partners
Apply with either — or tell us your budget and we'll point you to the right fit.
A division of Truist Bank · Member FDIC
Prequalify online in minutes with no impact to your credit score, then finance your cart with competitive terms backed by a national bank.
- Prequalify with no credit-score impact
- Financing from $1,500 to $75,000
- Most golf cart brands, fast online decision
Retail financing powered by First Community Bank
A community-bank lender where a real loan officer reviews every application — flexible down payments, quick decisions and e-signature for an easy close.
- A loan officer reviews every application
- Flexible down-payment options
- Quick decisions, sign electronically
All financing is subject to credit approval. Rates, terms and amounts vary by lender and applicant. Sheffield Financial is a division of Truist Bank, Member FDIC. CityCarts is not a lender and does not make credit decisions.
Estimate your monthly payment
Estimated payment
$287/mo
$13,500 financed · 60 months · 9.99% APR
Estimate only — not a credit offer or a guarantee of terms. Your actual rate, term and payment are set by the lender and subject to credit approval. Apply below for a real decision.
How it works
Choose your cart
Browse the inventory and pick the cart you want — we'll confirm the price and options.
Prequalify in minutes
Apply online with one of our partners. Sheffield's prequalification won't affect your credit score.
Drive it home
Once approved, we handle titling with our licensed Florida partner and arrange delivery.
FAQ
Financing questions, answered
Will checking my financing options hurt my credit score?+
No. Sheffield Financial's prequalification gives you a fast decision with no impact to your credit score. A full application to finalize your loan may involve a standard credit check by the lender.
What can I finance at CityCarts?+
New and pre-owned golf carts. Financing is provided by our partner lenders, Sheffield Financial and Dealer Direct, subject to credit approval.
How much can I borrow?+
Through Sheffield Financial, amounts typically range from $1,500 to $75,000, depending on the cart and your approval. Dealer Direct offers retail financing on carts five years old and newer.
Do I need a large down payment?+
Down-payment requirements vary by lender and by approval. Dealer Direct in particular offers flexible down-payment options. Tell us your budget and we'll point you to the best fit.
How do I get started?+
Choose your cart, then apply online with one of our partners — or send us a quick request and we'll guide you through the whole process.