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Street-Legal Golf Cart Loans

Loans on new & used* street legal golf carts.**

apply for a Street-Legal Golf Cart Loan apply for refinancing
*Up to 3 years old. **Street legal golf carts, or low-speed vehicles, can be driven on streets with speed limits up to 35 mph. Only units sold by a dealer can be financed.

New & Used Street-Legal Golf Cart Loan Rates & Terms

We offer New & Used (up to 3 years old) Street-Legal Golf Cart Loans with an annual percentage rate as low as 6.00% for loan terms of 60 months. Rates provided are current as of Wednesday, October 15, 2025 and are subject to change. When you're ready to apply for a Street-Legal Golf Cart Loan, click the link below to apply online or visit a branch during business hours.

apply for a Street-Legal Golf Cart Loan
Loan term (up to) APR*(as low as)
60 Months 6.00%
  • We will finance 95% of the street-legal golf cart purchase price. The purchase price includes permanently installed options, tax, tag, title, dealer fee, and extended warranty not to exceed $500.
  • We do not finance options that are not permanently affixed to the street-legal golf cart.
  • A minimum down payment of 5% is required by either cash or trade equity.
  • Negative equity will not be financed on a trade.
  • Street Legal Golf Carts are not eligible for GAP and IWS Warranty.
  • Only street-legal golf carts sold by a dealer can be financed; no buyer to seller.
  • We do not finance street-legal golf carts designed for commercial or industrial use.

Questions? Call 850.862.0111, Option 2 or email Consumer Loans via secure email.

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Wednesday, October 15, 2025 and are subject to change

Insurance Requirements

Golf Cart Loan Payment Calculator

Amount of Loan: $
APR*: %
Term of Loan: months
Monthly Payment: $
Total Payment: $

Sample Repayment: For a $20000  Golf Cart Loan over a term of 42 months at an APR of 8.90%, the approximate monthly payments would be $554.81.

Disclaimer | Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Street Legal Golf Carts

Loans on new & used* street-legal golf carts.**

*Up to 3 years old. **Street legal golf carts, or low-speed vehicles, can be driven on streets with speed limits up to 35 mph.
apply for a Street-Legal Golf Cart Loan
Refinancing

Why pay high interest on your street-legal golf cart when you can refinance with Eglin FCU for a better rate today?

If you purchased your golf cart from a dealer within the past 180 days it may qualify for refinancing through Eglin FCU.
apply for refinancing

Eglin FCU Debt Protection

Cancel or waive your loan payment(s) up to the contract maximums if a protected event such as disability, loss of life, or involuntary unemployment occurs.

learn more about Debt Protection
Insurance Requirements for Collateral Loans
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
learn more about insurance requirements

Frequently Asked Questions

How do I apply for a Street-Legal Golf Cart Loan?
To apply for a Street-Legal Golf Cart Loan you may either visit a branch during business hours or apply online.

How do I make payments to my Street-Legal Golf Cart Loan?
You have several convenient options for making loan payments. You can easily make a loan payment by transferring funds from your Eglin FCU Checking or Savings account through our Online Banking service or Mobile App. You can also use the External Transfers feature within Online Banking or the Mobile App to make a payment to your loan from your checking or savings account at another financial institution. If you prefer, you can request to make a loan payment at one of our Video Teller machines during business hours, or you can visit any of our local branches to make a loan payment in person. You also have the option of sending your loan payment by mail to Eglin Federal Credit Union, 838 Eglin Parkway NE, Fort Walton Beach, FL 32547. If you need more information on loan payment options, please call us at 850.862.0111, Option 2, or stop by one of our branch locations during business hours.