Buying an Affordable Golf Cart: Best Budget Models and Flexible Payment Options
Golf carts have become a popular choice for far more than just golfers. Whether you need one for personal mobility, getting around a large property, community transportation, or even work-related tasks, owning a golf cart is a practical and eco-friendly solution.
However, new carts can be expensive, prompting many buyers to search for more affordable options, including Buy Now, Pay Later (BNPL) and Rent-to-Own programs.Here’s what to know when buying a budget-friendly golf cart and how to finance one affordably.
Understanding Golf Cart Prices
A brand-new golf cart typically costs between $6,000 and $12,000, depending on features, brand, and whether it's street legal. Fortunately, used and refurbished carts are widely available for much less—often between $2,500 and $5,000. If you’re on a budget, purchasing a used or older model is a smart option. Many reputable dealers offer reconditioned carts that perform like new for a fraction of the price.
Top Affordable Golf Cart Brands
E-Z-GO is a trusted name in the industry, offering durable carts with both gas and electric options. Their TXT model, often found used for under $4,000, is a staple among community users.
Club Car is known for its rust-resistant aluminum frames. The DS and Precedent models are especially popular on the used market and offer a comfortable, reliable ride.
Yamaha golf carts are praised for their fuel efficiency and long-lasting engines. Many of their used Drive2 models fall within the $3,000–$5,000 range.
Evolution Electric Vehicles have become a go-to choice for buyers seeking new, street-legal, feature-rich carts at a lower price point. Their entry-level models start around $6,500 and often come with built-in lights, turn signals, and Bluetooth audio.
Where to Buy Budget Golf Carts
You can purchase affordable golf carts through several channels:
- Local dealers often carry used and refurbished models at lower prices and may offer financing.
- Online marketplaces like Facebook Marketplace, Craigslist, and eBay are great for finding private sales.
- Golf courses and resorts frequently sell older fleet carts at discounted rates after a few years of use.
- Manufacturer websites sometimes list demo or showroom models at discounted prices and offer BNPL options directly.
Buy Now, Pay Later (BNPL) for Golf Carts
BNPL programs allow you to split the cost of a golf cart into manageable monthly payments—often with low or no interest if you qualify.
Common platforms that offer BNPL for golf carts include Affirm, Klarna, and Shop Pay Installments. Some dealers and online sellers allow you to apply financing at checkout. For example, a $6,500 cart could be financed over 36 months for roughly $180 per month, depending on your credit.
These financing options make it possible to get the cart you want right away without waiting to save the full amount upfront.
Rent-to-Own Golf Cart Options
Rent-to-own (RTO) programs are ideal for buyers who may not qualify for traditional financing or want more flexible terms. With RTO, you pay a monthly fee while using the cart. Once you complete all scheduled payments, ownership transfers to you.
Benefits of RTO include:
- No or low credit checks
- Flexible payment plans
- Option to return if your needs change
Some golf cart dealers partner with rent-to-own companies or offer in-house programs, especially in rural or recreational areas.
Electric vs. Gas: What's More Cost-Effective?
Electric golf carts are typically more affordable in the long run. They cost less to operate, require less maintenance, and are very quiet. They're ideal for short-distance travel in neighborhoods or resorts.
Gas-powered carts, while slightly more expensive up front, are better for longer trips, towing, or use on hilly terrain. They don't require charging, but do need regular maintenance like oil changes and filter replacements.
If you're using a cart for personal transport or light work, electric is often the more budget-friendly and environmentally conscious choice.
Tips for Finding the Best Deal
- Buy off-season in the fall or winter when demand is lower.
- Inspect used carts thoroughly or request a service report if buying online.
- Factor in battery condition—new batteries can cost over $1,000.
- Look for bundled deals that include accessories like windshields, enclosures, or lights.
- Negotiate—many dealers are open to price discussions or added perks.
Final Thoughts
Buying an affordable golf cart is entirely possible with the right approach. Whether you choose a reliable used model from a trusted brand or take advantage of Buy Now, Pay Later or Rent-to-Own programs, you can enjoy the convenience of a golf cart without breaking your budget.
Always compare prices, read reviews, and assess your needs before making a purchase. And remember—financing doesn't have to be complicated if you use the tools and options available today.