Florida Golf Cart Financing

Florida distinguishes between standard golf carts — generally capped at 20 mph and limited to designated roads or communities where permitted — and low-speed vehicles (LSVs), which are capable of 20–25 mph and generally require title, registration, insurance, and a valid driver's license. LSVs may be operated on roads posted 35 mph or less where permitted. Buyers shopping for an LSV-equipped cart should factor in those additional costs when estimating a financing amount. Confirm current requirements with your dealer, local FLHSMV, municipality, or HOA.

GolfCartFinancing.com helps Florida buyers start online and check available options through participating lenders, financing providers, dealers, and dealer networks. Options may vary by applicant, provider, dealer, location, cart type, requested amount, and program availability. Use our golf cart payment calculator to explore estimated payment scenarios before you apply.

In large planned retirement communities — The Villages being one of the most recognized in the country — golf carts are used like a second household vehicle: grocery runs, doctor appointments, visiting neighbors, and getting around without taking a car. Carts in these settings often need multi-passenger seating, lithium batteries for longer range, enclosures for rain, and lighting for evening use.

In beach towns and coastal communities, buyers often want a cart for short errands, marina access, or getting to the beach. In golf course communities, carts are used both on the course and for neighborhood transportation. Buyers shopping for an LSV-equipped cart should factor in the additional cost of required safety equipment, title, registration, and insurance when estimating the total amount they may need to finance.

Florida has a large and active network of golf cart dealers serving communities across the state. After submitting a financing request through GolfCartFinancing.com, buyers may be able to continue with available financing options or connect with participating dealers, dealer networks, financing providers, affiliates, or related third parties where available. Dealer participation, inventory, and program availability may vary by location.

Financing options, dealer participation, and program availability may vary across Florida. Buyers in densely populated golf cart markets — such as Central Florida, the Gulf Coast, and South Florida — may find more participating dealers or available programs than buyers in other areas. Options are subject to provider review, applicant eligibility, and program availability.