Golf Cart Financing

Why Finance Through Central Coast Carts + Sheffield?

Fast Approvals

Most applicants receive decisions in minutes.

Great Rates

Choose from multiple payment plans that fit your budget.

No Hidden Fees

Transparent financing with no surprises

New & Used Carts

Finance your dream ICON, Epic, Tomberlin, or any golf cart we sell.

Personal or Commercial

Ownership for neighborhoods, ranches, farms, HOAs, Airbnbs, resorts, and more.

Easy Golf Cart Financing With Sheffield

At Central Coast Carts, we make owning a golf cart easier than ever. Whether you’re upgrading to a lifted cart, buying a street-legal LSV, or grabbing a reliable utility cart, Sheffield Financial offers fast approvals, competitive rates, and flexible terms designed for California buyers.

Sheffield is one of the most trusted lenders in the power-sports and light-vehicle industry—backed by quick online applications, excellent approval odds, and no early payoff penalties.

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How Golf Cart Financing Works (Simple 3-Step Process)

1. Pick Your Cart

Choose from our inventory of lifted carts, street-legal LSVs, 4-seaters, 6-seaters, or commercial units.

2. Apply Online Through Sheffield

We’ll send you the secure application link or help you complete it in-store.

3. Get Approved & Drive Away

Once approved, sign your documents and take home your new golf cart — usually the same day.

Ready to Apply for Golf Cart Financing?

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Or call us anytime for help with the application process.

Serving All of California: We proudly finance customers across Central Coast (Arroyo Grande, Pismo, SLO, Santa Maria), Santa Barbara County, Ventura County, Monterey, Salinas & neighboring regions. Pickup, delivery, or shipping available!

Financing FAQ’s

1. What credit score do I need to get approved?

Sheffield reviews the full credit profile, but many buyers are approved with average credit. Strong income and low debt help improve approval odds.

2. How long does approval take?

Most applications receive instant decisions. Others may take a few hours if additional verification is needed.

3. Can I finance a used golf cart?

Yes—Sheffield allows financing on new and qualifying used golf carts.

4. Is there a down payment?

Down payments depend on credit, cart price, and term. Many customers qualify for low or zero down.

5. Are there early payoff penalties?

No. You can pay off your loan anytime without extra fees.

6. Can I finance accessories or upgrades?

Yes—lift kits, wheels, lithium upgrades, roofs, lighting, stereos, and custom add-ons can often be included in the financed amount.

7. Is financing available for street-legal LSVs?

Absolutely — Sheffield is one of the best lenders for California street-legal carts.

8. Do you offer commercial financing?

Yes, businesses and organizations can apply for fleet or commercial-use financing options.