Soft credit pull, same-day decisions, terms 24–84 months, and a shop that walks you through the application instead of pointing you at a form. Prices start at $12,500 and up depending on the model chosen — call for current pricing.
Application takes ~5 minutes · Soft pull, no credit score impact · Most decisions same business day
We don't make money on financing — we work with two lenders because their programs fit different customers, and we want to put you with the one that gives you the best terms.
National lender with a golf-cart-specific program. Works across the credit spectrum — often the right fit for customers with less-than-perfect credit, or for buyers who want a longer term to lower the monthly payment.
Manufacturer-backed program with competitive rates on new Breezy EV carts. Often the better fit for customers with stronger credit who want the lowest APR, especially on the new Breeze 4, 4L, 6L, and Terrain 6.
Click Apply Now for the Lendmark form (about five minutes), or call us and we'll walk through it together. Driver's license, employer info, and contact details — that's it.
Most applicants hear back the same business day. Soft pull only, so there's no impact to your credit score while you decide.
New Breezy EV, refurbished, used — whatever fits your budget. We'll quote the monthly with and without a down payment so you can compare.
Loan funds typically next business day. Pick up at our Livingston shop, or we'll deliver it free within 25 miles.
Rough estimates assuming 10% down and average credit. Actual rate depends on your application — this is just to give you a feel.
| Cart price | 36 months | 60 months | 84 months |
|---|---|---|---|
| $10,000 | ~$305 / mo | ~$200 / mo | ~$155 / mo |
| $13,000 | ~$395 / mo | ~$260 / mo | ~$200 / mo |
| $16,000 | ~$485 / mo | ~$320 / mo | ~$245 / mo |
| $20,000 | ~$605 / mo | ~$400 / mo | ~$305 / mo |
Estimates based on 12% APR and 10% down. Your actual rate, term, and monthly will be quoted after your application is reviewed.
Click Apply Now at the top of this page — it opens the Lendmark Financial pre-qualification form. It takes about five minutes, runs a soft credit pull (no impact to your score), and most applicants get a decision the same business day. Prefer to apply in person? Call 936-223-1182 or stop by 1732 FM 3277 in Livingston.
No. The initial application runs a soft pull, which doesn't show on your credit report and doesn't affect your score. A hard pull only happens after you've reviewed an offer and decided to move forward.
There's no single cutoff. We've placed loans across a wide range of credit profiles. Lendmark in particular works with customers who have less-than-perfect credit, including scores in the 500s and low 600s. Stronger credit usually means a lower APR and a longer term, but we won't know until we look at the application.
Often, yes. Lendmark Financial's program is built specifically for credit profiles that conventional banks turn down. We'll shop your application and tell you straight up what you'll qualify for. If we can't get you approved, we'll tell you that too instead of stringing you along.
10–20% is typical, but it varies by lender, credit profile, and the specific cart. Cash, trade-in, or a combination — all work. We'll quote the monthly with and without a down payment so you can compare.
24 to 84 months depending on the lender, the cart, and your credit. Longer terms mean a lower monthly payment but more total interest. We help you find the right balance for your situation.
No. Both Lendmark Financial and Dealer Direct allow early payoff with no prepayment penalty. Pay it off whenever you want and you only owe the interest accrued to that date.
Lendmark's online application asks for the basics — driver's license, social security number, employer info, and contact details. If you'd like the strongest application, have a recent pay stub or two months of bank statements handy. For in-person applications, bring those plus the driver's license.
Yes. Both lenders cover new and used carts, including refurbished units we've serviced in our shop. Used-cart APRs are usually a touch higher than new, but the lower price often makes the monthly payment lower than financing a brand-new cart.
Often same week. Once the loan funds (usually one business day after you accept the offer), we coordinate pickup at our Livingston shop or free delivery within 25 miles. Extended delivery up to 100 miles is also available.
Apply online in five minutes, or call us and we'll walk through it together. Either way, you'll know what you qualify for the same business day.
