$0-down scooter financing in Miami. Multiple lenders. Pre-qualify in 5 minutes with a soft credit pull — no impact to your score. ITIN-friendly options. Thin credit files welcome. Once you see your real rate, you decide whether to ride.

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How it works

You tell us which scooter you're looking at — call us, drop in, or send the details from any brand page.
We run a soft pre-qual through the lender(s) most likely to approve you. Soft pull = no impact to your credit score.
You see your real APR, term, and monthly payment — calculated to your actual credit profile, not a billboard number.
If you like the numbers, we finalize. If not, you walk away. Either way, no damage to your credit.

Who we work with

Roadrunner Financial — flagship powersports lender, generally ≥550 FICO. Soft pre-qual available.
American First Finance — "no credit needed" structure based on bank account and steady employment; useful for thin-credit-file buyers.
SYM Financing / Alliance Powersports financing — covers the SYM, Lance, and Scootstar lines.
ITIN-friendly options — we work with lenders that accept ITIN in lieu of SSN on a case-by-case basis.

What we don't advertise

You'll notice we don't post specific APRs or monthly-payment numbers anywhere on the site. That's deliberate. Advertising a specific APR + payment + term combination triggers federal Truth in Lending Act (TILA / Reg Z) disclosure requirements. The numbers depend on your credit profile, and we'd rather give you your real numbers in writing — after the soft pre-qual — than a billboard quote that may not apply.

What you'll need

Valid driver's license (or ITIN documentation if applying through an ITIN-friendly lender)
Proof of income (recent pay stubs or bank statements)
Address verification (utility bill, lease, or similar)
For the larger displacements, a valid Florida motorcycle endorsement is needed before delivery — we can point you to the BRC course in your zip code

Insurance, briefly

Florida does not legally require insurance on a true moped (≤50cc). For anything over 50cc, motorcycle insurance is required. Our lender partners write policies in under 30 minutes; rates often run $25–50/mo. See the Florida scooter laws guide for the full breakdown.

Trade-in credit

Bring any scooter — running or not, any brand — and we'll appraise it on the spot. Trade-in credit applies directly to your new scooter, reducing the financed amount and your monthly payment.

Bilingüe — atención en español

Personal bilingüe en la tienda. Financing forms in Spanish. We work with lenders that accept ITIN. Si necesitas ayuda en español, llámanos al (305) 538-7878.

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