Calculadora de Préstamos para Carritos de Golf
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Préstamos para Carritos de Golf
La TAE habitual oscila entre el 4 % y el 12 %, según el crédito, el tipo de carrito y el prestamista. Las cooperativas de crédito suelen situarse entre 1 % y 3 % por debajo de los bancos; las promociones de los concesionarios pueden ofrecer condiciones especiales.
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Sources & References
Golf Cart Financing Rates
Interest rates based on national averages from specialty vehicle lenders including LightStream, OnDeck, and golf cart dealership financing programs. Rates vary based on credit score (excellent: 4-7%, good: 7-10%, fair: 10-15%), loan term, and whether the cart is new or used.
Amortization Calculations
Calculations use standard amortization formulas with monthly compounding. Total cost includes principal, interest, and assumes consistent monthly payments. Does not include insurance, maintenance, storage fees, or potential sales tax financing which may be available in some states.
Financing Approval Disclaimer
Actual loan terms depend on creditworthiness, debt-to-income ratio, and lender policies. Some lenders treat golf carts as recreational vehicles requiring specialized lending. Street-legal golf carts may qualify for better terms. Always compare multiple lenders and read financing agreements carefully before signing.