Pick a cart. Apply in 90 seconds. Drive it home — and own it in 36–48 months. The fastest path to a cart for buyers who can't do a conventional loan.
Illustration only. Actual terms depend on cart, credit, and approval. See your personalized offer in the application.
Three steps from "I need a cart" to "it's in my driveway."
90-second application through HCI AppXpress. Soft credit check. Pre-qualification is instant — no hard pull until you decide to move forward.
Any new Breezy EV in our lineup or a refurbished used cart from our lot. We'll quote the exact monthly payment on the one you want.
Pay the first monthly payment. We deliver (free within 25 mi), walk you through operation, and you make monthly payments until you own it.
The rent-to-own path is designed for buyers who conventional loans don't fit. Here's how to tell if it's right for you.
The straight-up facts about what you're signing up for.
| Finance partner | HCI AppXpress (dealer #1523) |
|---|---|
| Credit required | No minimum score — soft pull only |
| Down payment | Set by HCI approval — see your exact amount in the application |
| Term length | Typically 36 to 48 months |
| Monthly payment range | ~$150–$350 depending on cart + term + credit |
| Early buyout | Available any time, no prepayment penalty |
| Eligible carts | New Breezy EV + refurbished used carts on our lot |
| Delivery | Free within 25 mi of Livingston · $50 for 25–50 mi · $75 for 50–100 mi |
| Service during term | 20-point service, warranty work, pickup & delivery all included |
| Return option | Return the cart during the term — no early-termination penalty |
90-second form. Soft credit pull. Instant decision.
Apply with HCI AppXpress → or call 936-223-1182 and we'll walk you through itThe real questions buyers ask us — straight answers, no fine-print games.
Our rent-to-own program is run through HCI AppXpress, a national specialty-finance partner. You pick a cart from our lot, apply online in about 90 seconds, and get an instant pre-qualification. Approved applicants put down the first payment, we deliver the cart, and you make monthly payments until you own it — or buy it out early for a discount. We service it the whole time.
No. The rent-to-own path exists specifically for buyers who can't get approved through traditional golf-cart loans. HCI AppXpress looks at income and ability to pay more than credit score. Many approvals happen in the 500s and even without a credit history at all.
Yes, but it's a soft check at the pre-qualification step — it won't hurt your score. A hard pull only happens if you decide to move forward with the agreement.
The down payment depends on your approval terms through HCI AppXpress. You'll see the exact amount in the application before you sign anything — call 936-223-1182 if you want us to walk through your specific numbers first.
Payments depend on the cart you pick and the term length you choose, but most Breezy EV carts land in the $150–$350 per month range. Used carts are lower. You'll see the exact number before you sign anything.
Yes. HCI AppXpress agreements include an early buyout option. Pay off the remaining balance (minus the finance charge) at any point and the cart is yours free and clear. There's no prepayment penalty.
We service it. Any mechanical issue inside normal wear-and-tear while you're still renting is on us — our 20-point service package, Breezy EV warranty, and the free pickup within 25 miles of Livingston all apply the same as a cash sale. Call 936-223-1182.
Yes — free delivery within 25 miles of Livingston, TX, extended delivery 25–50 miles ($50) and 50–100 miles ($75). We handle every delivery personally, show you how to operate and charge the cart, and leave you with the paperwork and support numbers.
Terms typically run 36 to 48 months, depending on the cart and your approval. Shorter terms = larger monthly payment but faster ownership. Longer terms = smaller monthly, more total cost. You pick what fits your budget.
You can return the cart during the rental period without an early-termination penalty — it's one of the biggest reasons buyers pick RTO over a loan. You lose the payments you've already made (same as any rental), but you don't owe a lump sum like you would on a repossessed loan.
We work with three ways to pay — cash, financing, and rent-to-own. Pick whichever fits.
Lowest total cost. Best if you have the full price in hand and strong credit isn't relevant.
Lendmark Financial or Dealer Direct. Requires decent credit (580+), 10-20% down, 24-84 month terms. Lower total cost than RTO.
HCI AppXpress. No credit minimum, flexible terms, return anytime. Fastest approvals, works with every credit profile.
Family-owned shop in Livingston, TX. We'll walk you through everything — no high-pressure sales pitch.
📞 936-223-1182 or apply online →