Question 1

What financing options do you offer for wheel and tire purchases?

Accepted Answer

We offer several flexible financing solutions to make your wheel and tire upgrade more affordable. Our primary options include: Installment financing through our preferred lending partners with terms ranging from 6 to 24 months and promotional 0% interest plans for qualified buyers when paid within the specified period. Our Custom Wheels N Tires store credit card provides exclusive financing promotions, special offers for cardholders, and a rewards program for future purchases. For business customers, we offer commercial financing options with higher approval amounts and specialized terms designed for business needs. We also provide PayPal Credit with 6 months interest-free on purchases over $99 when paid in full during the promotional period. During checkout, you'll see all available financing options based on your order value, allowing you to select the plan that best fits your budget and timeline.

Question 2

What credit score do I need to qualify for financing?

Accepted Answer

Our financing options accommodate a wide range of credit profiles, with solutions available for most customers regardless of credit history. Our primary financing partners typically approve customers with credit scores of 600+ for the most favorable terms, including promotional 0% interest offers. However, we understand that credit scores don't tell the complete financial story, so our lending partners consider multiple factors beyond just the score. For customers with scores between 550-600, we offer several alternative financing options with competitive rates, though typically with shorter terms or slightly higher interest rates. Even for customers with challenging credit histories or scores below 550, we provide financing solutions through our secondary lending partners with flexible approval criteria. During the application process, you'll be matched with the best available options based on your specific credit profile without affecting your credit score through our soft inquiry pre-qualification process.

Question 3

How does the application process work and how long does approval take?

Accepted Answer

Our financing application process is streamlined for convenience and quick decisions. You can apply directly through our secure online portal during checkout or pre-qualify before shopping to know your available financing options. The application takes approximately 2-3 minutes to complete, requiring basic information like name, address, income, and the last four digits of your Social Security number. For most applicants, approval decisions are provided instantly or within minutes through our automated system. Some applications may require additional verification, typically completed within 1-2 hours during business hours. Once approved, you'll immediately see your available credit limit and financing terms, allowing you to complete your purchase right away. The entire process is handled electronically—no paperwork to mail or fax—and your privacy is protected through industry-standard encryption and security protocols. Our customer service team is available to assist with any questions or special circumstances throughout the application process.

Question 4

Can I finance just part of my purchase or make a down payment?

Accepted Answer

Absolutely! Our flexible financing options allow you to structure your purchase in the way that works best for your budget. You can choose to finance any portion of your purchase—from the entire amount to just a percentage—while paying the remainder upfront as a down payment. Making a down payment often provides several advantages: it may help you qualify for better terms or higher approval amounts, potentially lower your monthly payments, and could reduce overall interest costs. The minimum financeable amount is $199, while the maximum varies based on the lending partner and your qualification factors. During checkout, you'll have the option to specify exactly how much you'd like to finance and how much you prefer to pay upfront. For customers looking to maximize their available credit for future purchases, partial financing with a down payment helps preserve your credit line for additional needs. Our financing specialists can help you determine the optimal balance between down payment and financed amount based on your specific financial situation.

Question 5

Do you offer promotional financing with 0% interest?

Accepted Answer

Yes, we frequently offer promotional 0% interest financing on qualifying purchases through our primary lending partners. These promotions typically provide 6, 12, or 18 months of interest-free financing when the balance is paid in full within the promotional period. To qualify for these promotional rates, customers generally need a credit score of 600+ and must meet the minimum purchase requirements, which typically start at $299 for 6-month terms and increase for longer promotional periods. It's important to understand these are deferred interest promotions—if the balance isn't paid in full by the end of the promotional period, interest will be charged from the original purchase date at the standard APR (typically 19.99% to 29.99% based on creditworthiness). For larger purchases over $1,000, we occasionally offer special extended promotional terms up to 24 months. Our website clearly displays current promotional offers, and our financing specialists can explain the specific terms and requirements for each available promotion to help you make an informed decision.

Question 6

What happens if I want to pay off my financed purchase early?

Accepted Answer

We encourage early payoff when it fits your financial situation, and none of our financing partners charge prepayment penalties or fees for early payoff. Paying your balance before the end of your term can save you significantly on interest charges. For promotional 0% interest financing, early payoff isn't necessary for interest savings as long as you complete payment by the end of the promotional period. Making additional payments is simple through each financing partner's online portal or mobile app, where you can schedule one-time extra payments or set up higher recurring payments. Some of our financing options offer automatic discounts or interest reductions for setting up automatic payments. For customers who receive unexpected funds and wish to pay off their entire remaining balance, the process is straightforward—simply log into your account or contact the financing company's customer service to request a payoff amount, which ensures all interest is properly calculated. Our customer service team is also available to help facilitate communication with financing partners if you have any questions about early payoff options.

Question 7

Do you offer financing for businesses or commercial accounts?

Accepted Answer

Yes, we offer specialized financing solutions designed specifically for business customers ranging from sole proprietorships to larger commercial fleets. Our commercial financing options feature higher approval amounts—typically up to $25,000 depending on business credentials—with terms structured around business cash flow rather than personal credit alone. Business financing applications require basic company information including EIN, time in business, annual revenue, and business banking details. For established businesses (2+ years), we offer competitive rates comparable to personal financing, while newer businesses may qualify for specialized startup financing options. Commercial terms range from 6 to 60 months, with flexible payment schedules that can be aligned with your business's revenue cycles. We also provide net-30 and net-60 terms for qualified business customers with established commercial credit. For companies outfitting multiple vehicles, our fleet programs include volume discounts in addition to favorable financing terms. Our business financing specialists understand the unique needs of commercial customers and can help structure financing solutions that align with your company's cash flow and growth objectives.

Wheel & Tire Financing Options

Affordable Payment Solutions for Your Wheel & Tire Purchase

Financing Benefits

Available Financing Options

Performance Plus Credit Card

PayPal Credit

Affirm

Acima Leasing

Application Process

What You'll Need

Responsible Financing

Key Takeaways: Wheel & Tire Financing

FAQ: Wheel & Tire Financing

What credit score do I need to qualify for financing?

How long does the application process take?

Can I pay off my financing early?

What's the difference between the financing options you offer?

Can I finance just installation or just tires?

What happens if I'm declined for financing?