You don’t have to pay for a golf cart all at once. Finance lets you spread the cost, preserve your cash flow and get your cart sooner. Here’s how the options work for Australian buyers.
Ways to finance a golf cart
Personal loan
A straightforward option for private buyers — borrow the cart’s value and repay over a fixed term. Rates depend on your credit profile and the lender. Good for buyers who want to own the cart outright from day one and simply spread the payments.
Business & chattel finance
For resorts, clubs, farms and other businesses, chattel mortgage or equipment finance is often the smart route. It can support cash flow and may have tax advantages when the cart is used for genuine business purposes — check with your accountant.
Dealer payment plans
Many buyers arrange finance through us at the point of sale, so you can go from choosing your cart to approval quickly, often within 24 hours. We’ll point you to the right option for your situation.
Outright vs finance
| Buy outright | Finance |
|---|---|
| No interest | Preserve cash flow |
| Own it immediately | Get the cart sooner |
| Best if you have the funds | Best for businesses & larger buys |
How much will it cost?
Start with the cart price — see our 2026 price guide — then a finance term that keeps repayments comfortable. Remember to include freight in the total.
Get pre-approved
Ready to work out repayments on a specific model? Pick your cart, then talk to us about finance — we’ll help you spread the cost and get you rolling.
Finance is subject to approval and your circumstances. This is general information, not financial advice — speak to a licensed finance provider or your accountant.
Working out your repayments
As a rough guide, spreading a cart over a typical term breaks a large purchase into manageable monthly payments — the exact figure depends on the amount financed, the term and your rate. The practical approach: settle on the cart and total price first (including freight), then choose a term that keeps repayments comfortable rather than stretching your budget. Start from the price guide to fix your number, then we’ll help model repayments on a specific model.
What lenders look at
- Your credit history and existing commitments.
- Income and capacity to repay.
- Whether the purchase is personal or business use.
- The cart’s value as security (for secured/chattel finance).
Having your details ready speeds approval — often within 24 hours through a dealer arrangement.
Business use and tax
Resorts, farms, clubs and caravan parks running carts as genuine business equipment can often use chattel mortgage or equipment finance, which may carry tax advantages — always confirm with your accountant. If you’re kitting out a property, see golf carts for resorts & caravan parks and golf carts for farms, then talk to us about finance.
Is finance the right choice for you?
Finance isn’t automatically better or worse than paying cash — it’s about what suits your situation. Paying outright means no interest and you own the cart from day one, which is ideal if you have the funds sitting ready. Finance, on the other hand, lets you keep that cash working elsewhere, spread the cost into comfortable monthly payments, and get the cart sooner rather than waiting to save the full amount. For businesses, that cash-flow flexibility is often the deciding factor, and equipment or chattel finance can bring tax advantages when the cart is genuine business equipment.
A sensible rule of thumb is to borrow only what keeps repayments comfortable against your regular budget, and to factor in the full cost — the cart plus freight — before choosing a term. Longer terms lower the monthly figure but cost more in interest overall, so there’s a balance to strike. If your circumstances are straightforward, approval through a dealer arrangement can be quick, often within 24 hours. Work out the cart price first using our price guide, then talk to us about modelling repayments on the specific model you want.
Whichever route you choose, take a moment to read the fine print on any finance offer — the interest rate, the term, any fees and whether the rate is fixed — so there are no surprises down the track. A few minutes comparing options up front can save a meaningful amount over the life of the loan.
Frequently asked questions
Can you finance a golf cart in Australia?
Yes. Golf carts can be financed through personal loans, business/chattel finance for commercial buyers, or dealer payment plans. Approval and rates depend on your circumstances.
Is it better to buy a golf cart outright or finance it?
Buying outright avoids interest, but finance lets you preserve cash flow and get the cart sooner — useful for businesses and larger purchases.
Can businesses claim a golf cart?
Businesses using a cart for genuine operations may be able to claim it and use chattel finance — always confirm with your accountant.