Performance Plus Tire has been helping drivers get the wheels and tires they need since 1978. As a family-owned Southern California shop with more than 100 years of combined team experience, we know that new tires or custom rims are often a need-it-now purchase — and paying the full amount up front doesn't always fit the budget. That's why we partner with four established payment providers: Affirm for installment financing, plus no credit needed lease-to-own programs from Progressive Leasing, Snap Finance, and Acima. The application takes minutes, most applicants receive a decision within seconds, and your terms are shown up front before you commit. Every option covers wheels, rims, tires, and complete wheel and tire packages. Shop online with nationwide shipping, or visit our Long Beach showroom and let our team walk you through the choices in person — the same straight answers we've built our reputation on for 47 years.
You don't have to wait until checkout to find out where you stand. Each of our partners lets you apply first and shop after:
Want to see the numbers first? Use our Wheel and Tire Financing & Leasing Calculator to estimate monthly payments on any cart total before you apply.
| Provider | Type | Credit Check? | Early Payoff | Highlights |
|---|---|---|---|---|
| Affirm | Installments | Checking your options won't affect your credit score | Prepay anytime, no penalty | 0%–36% APR shown up front; no late fees |
| Progressive | Lease-to-Own | No credit needed* | Early purchase options | Payments scheduled around your paydays |
| Snap | Lease-to-Own | No credit needed* | 100-day early purchase option | Decision within seconds for most applicants |
| Acima | Lease-to-Own | No credit needed* | 90-day early purchase option | Flexible payments scheduled with your payday |
*No credit needed does not mean no review — see the provider disclosures at the bottom of this page.
Step 1: Get pre-qualified or build your cart.
Apply with a provider above to know your amount first, or add wheels, rims, tires, or a complete package to your cart and shop normally.
Step 2: Select your payment option at checkout.
Choose Affirm, Progressive, Snap, or Acima based on your credit situation and how fast you plan to pay it off.
Step 3: Complete the short application.
Most applicants receive a decision within seconds. Review your terms, accept if they work for you, and we'll get your order moving.
Shop Wheels • Shop Tires • Wheel & Tire Packages
Takes less than 30 seconds • No impact on credit
Apply Now and use the application in our shopping cart to Finance or Lease your custom wheels or tires. Use our Wheel and Tire Financing & Leasing Calculator for monthly payments. Check Out our Blog on Wheel and Tire Financing & Leasing for all the financing & leasing information you may need.
Best For: Good to Excellent Credit
Affirm Finance is a great way to get your wheels or tires today and pay later. Drive now and Pay for it later! Just select Affirm at checkout.
Best For: No credit needed
Progressive Leasing No credit needed, we know a three-digit number doesn’t tell your story. That’s why every Progressive Leasing approval is NO CREDIT NEEDED.
Best For: Fast Decisions, No Credit/Bankruptcy
Snap Finance Shop Now, Pay Later is Snap Finance's motto. With plenty of financing options Snap is another way to go for your Rims and Tire Financing.
Best For: Building Credit + No Credit Required
Acima Leasing Get the things you love, all without perfect credit! Acima Leasing is another way to "Lease now, Buy Later". The perfect choice to get your wheels today.
You own your wheels and tires immediately. Affirm is a fixed installment loan: you see the APR, the monthly payment, and the total cost before you commit, with no late fees and no prepayment penalty. If you have good credit and want the lowest predictable total cost, installments are usually the way to go.
The provider purchases the items and leases them to you. Approval doesn't require a traditional credit history — these programs look at income, banking activity, and other factors — and you own the merchandise after completing the lease or by using an early purchase option. Straight talk from 47 years in this business: completing a full lease term costs more than the cash price. If you can use the 90–100 day early purchase option, do it — that's how lease-to-own stays affordable.
Every option we offer rewards early payoff. Affirm charges no prepayment penalty, so you can pay off any time and stop interest immediately. Snap offers a 100-day early purchase option, and Progressive and Acima offer 90-day early purchase programs that keep your total cost close to the cash price. Before you apply, model your payments with our Financing & Leasing Calculator so you know exactly what each path costs.
Affirm may use a soft credit check to show your options; lease-to-own providers evaluate factors beyond a traditional credit score. Exact requirements vary by provider and are listed during each application.
Not sure which route fits your budget? Call (888) 926-2689 or email sales@performanceplustire.com — Mon–Fri 9am–6pm, Sat 9am–5pm PST — and we'll review your cart and compare total costs across all four options with you. Prefer face-to-face? Visit our Long Beach showroom and talk it through with a team that's been fitting wheels and tires since 1978.
Yes. Progressive Leasing, Snap Finance, and Acima all offer no-credit-needed lease-to-own programs that look at factors beyond a traditional credit score, such as income and banking history. No credit needed does not mean no review — each provider obtains information from consumer reporting agencies — but a low score or thin credit file won't automatically disqualify you.
Add wheels, rims, tires, or a complete package to your cart, choose a payment provider at checkout, and complete a short application. Once you're approved and your order is placed, we ship your products and you make scheduled payments over time according to your agreement. You receive your wheels and tires first and pay as you go.
Yes. Affirm lets you check your eligibility with no impact to your credit score, and Progressive Leasing lets you apply for a lease amount before you start shopping. Knowing your amount first helps you pick the right wheel and tire package for your budget instead of guessing.
Checking your options with Affirm uses a soft credit check, which does not affect your score; if you accept a loan, Affirm may report it to credit bureaus. Lease-to-own providers don't require a traditional credit history, though they do obtain information from consumer reporting agencies. Review each provider's disclosures during the application.
With Affirm installment financing, you own the items immediately and repay a fixed loan with the APR shown up front. With lease-to-own through Progressive, Snap, or Acima, the provider purchases the items and leases them to you — you own them after completing the lease or by using an early purchase option. A completed lease typically costs more than the cash price, so early payoff is the key to keeping lease-to-own affordable.
Most applicants receive a decision within seconds of submitting the short application. In some cases a provider may request additional verification, which can take longer. Either way, your terms are shown before you commit to anything.
Yes. Affirm has no prepayment penalty, and all three lease-to-own partners offer early purchase options — Snap's is a 100-day option, while Progressive and Acima offer 90-day programs. Paying off early is the single best way to reduce your total cost.
Generally you must be 18 or older with a valid Social Security Number or ITIN, have a steady source of income, an active checking account for lease-to-own programs, and a working phone number and email. Exact requirements vary by provider and are listed in each application.
Each provider uses different criteria, so a decision from one doesn't affect the others. If Affirm isn't a fit, you can apply with Progressive, Snap, or Acima, which evaluate income and banking factors rather than relying on a traditional credit score.
Minimums and maximums vary by provider and are shown during the application. If you're not sure whether your cart qualifies, call us at (888) 926-2689 and we'll help you sort out the best route before you apply.
Yes. Complete wheel and tire packages — mounted, balanced, and shipped to your door — can be financed or leased just like individual wheels and tires. Everything in your cart is included in the amount you apply for.
Yes. Once your application is approved and your order is complete, we ship your wheels and tires — or you can arrange pickup at our Long Beach showroom — and you make your payments on schedule afterward.
Affirm: Rates from 0%–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by Affirm's lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. See affirm.com/licenses for details.
Progressive Leasing: No credit needed: Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved. Acquiring ownership by leasing costs more than the retailer's cash price. You may purchase early or return the merchandise and cancel your lease at any time. Not available in MN, NJ, or WI.
Snap Finance: The advertised service is a lease-to-own agreement provided by Snap RTO LLC. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications. Not all applicants are approved. Lease-to-own is not available to residents of MN, NJ, or WI.
Acima: Acima obtains information from consumer reporting agencies during the application; a traditional credit history is not required, and not all applicants are approved. Ownership through lease-to-own costs more than the cash price unless an early purchase option is used. Review your lease agreement for complete terms.
Financing and lease-to-own are subject to eligibility and approval. Terms, rates, schedules, promotions, and availability vary by provider and location. Always review the provider's disclosures and total cost before accepting an offer.
Looking for more detail? Visit our dedicated Wheels & Rims Financing and Tire Financing pages, or read our blog post on exploring wheel and tire financing options.
Questions about financing your wheels, rims, or tires? Call (888) 926-2689 and our team will help you compare options for your exact setup — or stop by our Long Beach showroom. Ready now? Shop Wheels, Shop Tires, or build a Wheel & Tire Package and choose your payment option at checkout.
