Tire prices have jumped to $800-$1000 for a complete set and installation, making financing a smart move for most drivers today.
Poor credit doesn't have to keep you from getting the tires you need. Buy now pay later options for wheels and tires let you drive away today without the big upfront cost. These financing plans work for all credit situations, with monthly payments starting at just $25—making quality tires affordable for every budget.
Vehicle safety matters, and we know you can't wait around when your tires are worn. That's exactly why we've gathered all the best financing options available right now. You'll find instant approval choices and access to over $500 million worth of inventory from top tire brands. No matter what your credit looks like, we'll help you find the right wheels and tires for your ride.
Wheel and tire financing isn't just convenient anymore—it's becoming essential for most drivers. Here's what's driving this shift and why it matters for your wallet and safety.
The tire market has taken a serious hit from new government policies, and drivers are feeling it at checkout. U.S. tire prices are climbing fast in 2025 thanks to fresh tariffs on imported tires. Here's the kicker: 63.4% of tires sold here last year came from overseas, so these tariffs affect almost everyone.
The tariff numbers are pretty steep across the board—37% for Thailand, 32% for Indonesia, 46% for Vietnam, and a whopping 145% for China. Add that to natural rubber prices that shot up nearly 80% between April 2020 and April 2021, and you've got a perfect storm for higher tire costs.
Right now, most folks are looking at $800 to $1,000 for a full set of tires with installation. Truck owners have it even tougher, with manufacturers already announcing price bumps of up to 10% starting this May.
Waiting too long to replace worn tires puts you and your family at serious risk. The numbers tell the story—646 people lost their lives in tire-related crashes during 2023. What's really eye-opening is that an NHTSA study found nearly half of 11,500 vehicles had at least one tire with half-worn tread, and 10% had completely bald tires.
Tires start losing their grip way before they look completely worn out. Half-tread tires can hydroplane at just 40 mph on wet roads—that's 3 to 4 mph slower than new tires. Your braking distance also gets 3 to 6 feet longer from 40 mph when driving on wet pavement.
Wheel and tire financing gives you several smart ways to handle these rising costs:
Get the safety equipment you need right now without touching your savings
Break down big expenses into payments that fit your monthly budget
Afford higher-quality tires that last longer and perform better
Find options that work even if your credit isn't perfect
Most families need to keep their monthly cash flow steady. A manageable monthly payment through financing often works better than dropping $800-$1,000 all at once. Plus, financing means you get safer performance and better handling today instead of waiting months to save up the full amount.
Your credit situation and payment preferences determine which financing option works best for you. These six providers cover just about every financial situation you might face in 2025.
PayTomorrow works with customers no matter where their credit stands. Their matching technology connects you with lending partners who create custom financing solutions. Excellent credit gets you 0% APR financing, while good to average credit starts at just $29.99 down with a 90-day early buyout option. Poor credit or no credit? Their lease-to-own program starts with $0-$70 down at checkout. You can finance up to $6500 with payment plans stretching 24 months, which makes those bigger wheel and tire purchases much easier to handle.
Affirm keeps things simple with clear payment terms. Their rates run 0-36% APR depending on your credit profile. What sets them apart? No hidden fees or deferred interest—ever. You get flexible repayment periods from 3 to 36 months, plus a "Pay in 4" option that splits your purchase into four interest-free payments. That $950 wheel and tire package? It runs about $88.15 monthly for 12 months at 20% APR.
Katapult keeps it straightforward with their lease-to-own program—no credit check required. Start with just $1 down and get approved for up to $3500 in merchandise. They sync payment schedules with your paydays and never hit you with late fees. The real win here is their 90-day early purchase option that can save you serious money.
Snap Finance uses their own algorithm instead of traditional credit checks, opening doors for people with credit challenges. Their consumer lease spreads payments over 12 months with flexible timing that matches your pay schedule. They also offer a 100-day cash payoff option that cuts your overall cost.
Acima offers lease-to-own options with approval amounts reaching $5000 in merchandise. Payment schedules align with your payday based on what you put in your application. You'll need an active checking account with at least $1000 monthly income and 3 months of income history with your current job.
PayPal Credit gives you no interest if you pay in full within 6 months on purchases of $99 or more. This reusable credit line comes from Synchrony Bank and requires minimum monthly payments. The application process takes just minutes—they need your birth date, income, and the last four digits of your Social Security number.
Getting wheel and tire financing is pretty simple once you know the steps. Most retailers let you apply online in just a few minutes, so you can get the wheels and tires you need without any delays.
Start by browsing the retailer's inventory and pick out the wheels and tires that match your vehicle. Add your favorites to your shopping cart. Many online retailers offer mounted and balanced packages that show up ready to install. Your selection determines how much financing you'll need, so pick products that work for both your vehicle and your budget.
Once you've picked your products, look at the financing options at checkout. Most retailers work with several financing companies like PayTomorrow, Affirm, and Katapult to help customers with different credit situations. Compare the terms and pick the one that fits your financial situation best. Some retailers let you pre-qualify to see your approval amount before you start shopping.
The application asks for basic information like:
Full name and address
Mobile phone number and email
Social Security Number
Date of birth
Income information
Your information stays secure, though some partners might do a light credit check. Applications usually take just a few minutes to fill out, and many providers give you an answer in 60 seconds.
After you're approved, you'll see your available credit amount and payment terms. Finish your purchase by choosing your financing option at checkout and completing any final steps. Most retailers ship wheels and tires within 2-7 business days after your financing gets approved.
Most financing providers give you instant decisions without hurting your credit score. Some options like Katapult don't require any credit check at all—just phone verification. Initial payments range from $0-$59 depending on which provider you choose. Maximum approval amounts typically go up to $6,500 with repayment terms from 3-36 months. After approval, you'll get confirmation of your purchase along with your payment schedule details.
Picking the right wheel and tire financing plan comes down to knowing what matters most for your wallet. Here's what you should focus on when comparing different options.
APR tells you the real cost of borrowing money, including interest plus any extra fees the lender tacks on. You'll see huge differences between providers—some offer 0% APR while others charge up to 36%. Better credit usually means better rates, but dealers don't always offer you their lowest available rate. Pay attention to how long you'll be making payments too. Terms can run anywhere from 3 months to 36 months, and longer terms mean lower monthly payments but more interest over time.
Lease-to-own programs work differently than regular loans. The financing company actually owns your wheels and tires until you finish paying. Many of these plans let you pay on your payday schedule, which makes budgeting simpler. Traditional financing usually offers better rates, but you'll need decent credit to qualify.
Early payoff deals can save you serious money. RimTyme lets you pay off early and save up to 50% if you do it within ten months. Lots of providers have 90-day "same as cash" deals where you pay just the product price if you pay it off fast. These options give you flexibility and real savings opportunities.
If your credit isn't great, look for providers that focus on "no credit needed" programs. They care more about your current income than your credit history. Most want to see an active checking account and steady income—usually $750-$1000 monthly. These programs often approve customers with credit problems.
Hidden costs can really hurt your budget. Watch out for late fees, processing charges, or account setup fees. Be careful with promotional deals that jump to high rates (often over 20% APR) if you don't pay within the promo period. Remember that lease-to-own options typically cost more than the cash price when you add up all the payments.
Getting new wheels and tires has never been easier, even with credit challenges. Tire prices keep climbing due to tariffs and rising manufacturing costs, but financing options offer a smart way to handle these important purchases without putting your safety at risk.
Worn tires create real dangers on the road, so waiting isn't an option. The good news is that multiple financing alternatives work for different credit situations. PayTomorrow serves all credit levels with flexible terms, while Katapult's lease-to-own program needs no credit check at all.
Smart shoppers compare financing terms before deciding. APR rates, repayment schedules, and early payoff discounts can save serious money. Watch out for hidden fees that bump up your total costs too.
Applications are quick and easy with most providers giving instant decisions that won't hurt your credit score. This means driving away with new wheels and tires the same day while keeping payments affordable.
Vehicle safety matters more than financial worries. These financing options let drivers maintain proper tires and wheels without draining savings accounts. The right plan spreads costs over time while delivering better performance and safer driving right now.
Getting wheel and tire financing in 2025 is more accessible than ever, with multiple options available even for those with poor credit scores.
• Multiple financing options exist for all credit levels - From 0% APR for excellent credit to no-credit-check lease-to-own programs starting at $0-70 down
• Tire costs are rising significantly due to tariffs - Expect to pay $800-1000 for a complete set, with tariffs up to 145% on imported tires driving prices higher
• Safety risks make financing essential - 646 people died in tire-related crashes in 2023, and nearly 50% of vehicles have half-worn or bald tires
• Compare terms carefully to save money - Look for 90-day early payoff options that can save up to 50%, and avoid hidden fees that increase total costs
• Application process is quick and simple - Most providers offer instant approval decisions without affecting your credit score, with payments starting as low as $25 monthly
Don't let financial constraints compromise your vehicle safety. With proper research and comparison shopping, you can find a financing plan that fits your budget while ensuring you have safe, reliable tires on the road.
Q1. Can I get wheel and tire financing with bad credit? Yes, you can. Many financing providers offer options for all credit levels, including those with poor credit or no credit history. Some companies use alternative approval methods based on income rather than credit scores, making it possible to secure financing regardless of your credit situation.
Q2. What are the typical costs for a new set of tires in 2025? In 2025, you can expect to pay between $800 and $1,000 for a complete set of tires and installation. This price increase is largely due to new tariffs on imported tires and rising manufacturing costs.
Q3. How does wheel and tire financing work? Wheel and tire financing allows you to purchase new wheels and tires without paying the full amount upfront. You can choose from various options like traditional loans, lease-to-own programs, or buy-now-pay-later plans. After approval, you make regular payments over time, often starting as low as $25 per month.
Q4. Are there financing options that don't require a credit check? Yes, some providers offer no-credit-check financing options. These typically include lease-to-own programs that focus on your current income and employment status rather than your credit history. However, these options may come with higher overall costs compared to traditional financing.
Q5. How can I save money when financing wheels and tires? To save money, look for financing plans with early payoff options, which can offer significant discounts if you pay off the balance within a certain period (often 90 days). Also, compare APRs, avoid plans with hidden fees, and consider shorter repayment terms to reduce the total amount of interest paid.
