Powersports Financing in Philadelphia
Flexible scooter and ATV financing in Philadelphia. American First Finance, low down payment, flexible financing available. Ride home today. (215) 288-6118.
Flexible financing options are available through American First Finance. ScooterLand USA partners with American First Finance to offer flexible financing on every scooter, moped, ATV, dirt bike, and go-kart in our Philadelphia inventory — from a $799 50cc moped to a $3,599 260cc adult utility ATV.
American First Finance offers a simple online application for flexible financing. Review the application requirements and available options directly with the provider.
Apply online in 60 seconds or walk in to our 3818 K St, Philadelphia showroom — financing decisions are provided after review with a low down payment requirement (often $0–$200) and 12, 18, or 24-month payment plans. No prepayment penalty, no hidden fees, and you ride the bike home the same day.
How American First Finance works
American First Finance provides a secure online application for powersports financing. Review the application requirements, available payment options, and financing terms directly with the provider before signing.
The 90-day same-as-cash early-payoff option
If you pay off the financed amount within 90 days, American First Finance waives all interest charges — you only pay the cash price of the scooter. This is the cheapest way to finance a scooter if you can pay it off quickly (tax-refund time, bonus check, etc.). After 90 days, standard monthly-payment interest applies. There's no penalty for early payoff at any point in the contract.
What you need to apply
American First Finance will provide its current application requirements and available terms during the application process. Review all financing details before signing.
Catalogue models
- 200cc EFI Tank Style Scooter - Aggressive Sport Moped — $2,199
- 50cc Premium GY6 Scooter - Quality Built Moped — $1,499
- 50cc Economy Budget Scooter - Cheapest Gas Moped — $1,599
- 50cc Retro Italian Style Scooter - Vintage Look Moped — $1,599
- 50cc Compact Mini Scooter - Lightweight Campus Moped — $1,499
- 50cc Classic Vintage Scooter - Fuel Efficient Moped — $1,750
- 50cc Sport Style Scooter - Stylish Small Moped — $1,799
- 50cc City Street Scooter - No License Required* Moped — $2,599
- 125cc Manual 4-Speed Scooter - Retro Clutch Moped — $2,199
Frequently Asked Questions
Can I apply for scooter financing?
Yes — American First Finance offers a secure online application for flexible powersports financing. Review the available terms directly with the provider.
How much money do I need down on a scooter?
Most Philadelphia buyers put $0–$200 down on a scooter or ATV. Down payment varies by purchase price, monthly payment, and approval terms, but it is typically far lower than dealership financing requires.
What financing options are available?
American First Finance offers flexible financing options. Apply online or visit the showroom to review the options available to you.
How long does approval take?
Applications are reviewed by American First Finance. Apply online or visit our 3818 K St showroom to review available financing options.
Is there a prepayment penalty if I pay it off early?
No — American First Finance has zero prepayment penalty. If you pay off the loan within 90 days, all interest is waived (90-day same-as-cash option). After 90 days, you can pay it off anytime without penalty.
What happens if I miss a payment?
Late fees apply per the contract terms — typically $15–$25 per missed payment. Repeated missed payments may result in repossession. Call American First Finance customer service immediately if you anticipate a payment problem — they often work with customers to restructure or defer payments.