Finance a new scooter in Miami Beach — fast online approval, multiple lender options, payments as low as $39 per month, and zero-down approvals available. Authorized financing for Vespa, Kymco, Lance, Genuine, SYM, Wolf, and Scootstar.
Whether you're buying your first 50cc commuter or upgrading to a Vespa GTS 300, we work with multiple powersports lenders to get you approved at the best rate available.
How Scooter Financing Works at Miami Beach Scooter
Sample Monthly Payments
Estimated payments at 60 months
Based on 9.99% APR with $0 down. Actual rate depends on credit and lender.
These are estimates only. Real rates depend on your credit profile, term length, and down payment. Call us for a personalized quote.
Who We Finance
We work with prime lenders, near-prime lenders, and second-chance lenders. That means we can typically place borrowers across a wide range of credit scores — from excellent credit at the lowest rates, to credit-challenged buyers who need a fresh start. We do not turn anyone away without trying. We've gotten approvals for first-time buyers, recent grads, snowbirds, vacationers, and buyers rebuilding credit.
What You'll Need to Apply
To submit a financing application we'll need: a valid driver's license or passport, proof of address (utility bill, lease, or bank statement), proof of income (pay stubs, bank statements, or tax return for self-employed), and a Social Security number or ITIN. The whole application takes about 5 minutes whether you do it online or come into the showroom.
Frequently Asked Questions
What credit score do I need to finance a scooter?
We work with multiple lenders that cover a wide range of credit profiles. Buyers with 700+ credit scores typically get the best rates. Buyers in the 580-700 range still get approved, often at slightly higher rates. Below 580 is challenging but we have second-chance lenders that may still work — call us to talk through options.
Do you require a down payment?
Many buyers approve with $0 down. Down payment requirements depend on credit profile, the scooter you're buying, and which lender approves your application. A down payment of even $500-1,000 typically improves your monthly payment and approval odds.
What's the lowest monthly payment available?
For sub-$2,000 scooters financed over 60 months, monthly payments can be as low as $39-49 per month at competitive rates. Final payment depends on your specific scooter, term, rate, and any down payment.
How long is the financing term?
Most powersports loans run 24, 36, 48, or 60 months. Longer terms mean lower monthly payments but more interest paid overall. We'll help you find the right balance.
Can I trade in my old scooter?
Yes. We accept trade-ins from any scooter brand. Your trade-in value is applied as a down payment, lowering your loan amount and monthly payment. Bring your scooter for an in-person appraisal or send photos for a preliminary quote.
Do you finance used scooters too?
Yes. We finance both new and qualifying used scooters from our inventory. Used scooter financing terms are typically shorter (24-36 months) due to lender requirements.
What's the difference between dealer financing and a personal loan?
Dealer financing is typically faster, easier to qualify for, and the rate is competitive with credit unions and banks. Personal loans give you more flexibility but typically take longer to fund. We're happy to walk you through both options.
Will applying hurt my credit score?
A formal application creates a hard inquiry on your credit report, which may temporarily lower your score by a few points. We can do a soft pre-qualification first to give you an estimate of likely terms before you commit to a hard pull.