Wheel and Tire Financing: Bad Credit, No Credit, Here Are Your Options

If you need a new set of wheels/rims and tires, but you don’t have the cash, wheel and tire financing may be for you.

Some of the following stores don’t require a credit check and will allow you to use other methods to qualify for financing, such as income, a current bank account, and references. You have many options to choose from, both online and offline, so you can choose the tire store that best fits your wants and needs.

Check out our list of 12 wheel and tire stores that finance. We chose these 12 because they are the most popular places where people finance wheels and tires.

In This Article

What to Know Before Financing Wheels and Tires

Before you decide to get tires and/or wheels on credit, you’ll want to consider whether or not financing this type of purchase is right for you. Set a budget based on the amount of money you have left each month after covering your essential expenses, and determine whether you can realistically afford the monthly payment for the financing plan you’re considering. Missed payments can lead to late fees and damage your credit score. Be aware, also, that most payment plans accrue interest, meaning you’ll pay more for your wheels or tires than you would if buying them outright.

Here are a few more things to consider:

  • Will your financial situation likely remain the same during the payment period?
    If you’re expecting some upcoming financial changes (for example, if you’re thinking of quitting your job or switching careers, you’re anticipating layoffs at work, or you’re welcoming a new baby to your family), you’ll want to carefully consider whether or not having a monthly tire or wheel payment automatically debited from your checking account will cause you unwanted financial stress.
  • Will a tire and wheel protection plan be part of the cost?
    In case your tires or wheels are punctured by nails, road debris, potholes, or any other unforeseen circumstance, purchasing a tire and wheel protection plan could save you a lot of financial headaches. Otherwise, damaged wheels or tires will still have to be paid off in full during the time period you’ve agreed on. Read any protection plans carefully to make sure that you understand what they do (and don’t) cover, and check your wheel and tire financing agreement as well to make sure you’re not purchasing a service twice — some types of damage may already be covered by your original financing agreement.
  • What type of return policy is right for you?
    Some stores offer a fairly generous return policy, and you’ll be able to return mounted, used tires within a certain time period; others will not allow you to return wheels and tires once they’re purchased no matter what.

Online Stores That Finance Wheels and Tires

Dan the Tire Man

  • Fee: No application fee
  • Information Needed: You must be at least 18 years of age, have an income, an active traditional checking account, and a regular credit card or a debit card.
  • Credit check required? No
  • Minimum/Maximum Purchase: None
  • Process: After filling out an application online, you’ll receive an approval amount by email. You should then call Dan on his direct line between 9-5 Eastern (Mon-Fri) at (207) 316-2258. Dan will help you select tires for your vehicle, give you a quote, break down your payments for you, and have Progressive email you the e-sign agreement if you’re ready to buy. Once you sign it, $49 (plus sales tax) will automatically come out of your Visa/Mastercard or debit card, whichever one you used on your application. Your tires will be delivered to your door within 5-7 business days. Progressive Leasing will then withdraw payments from your checking account on your paydays for the next 12 months.
  • Financing Options: While Dan the Tire Man recommends that you pay it off the full amount in 90 days to get the best deal, you can pay off the total anytime between 3 months and 12 months and only pay 65% of the remaining lease amount. Once it’s paid off, you own the tires or wheels.
  • Return Policy: Dan will discuss the return policy with you when you speak with him on the phone.
  • Apply for financing online with Dan the Tire Man.

Discounted Wheel Warehouse

  • Fee: $40 application fee, only if approved
  • Information Needed: Social Security number, driver’s license, minimum of 180 days with current employer, minimum income of $1,000 monthly, checking account that has been opened for at least 3 months with no NSFs, bounced checks, negative balances, or overdrafts in the past 30 days, credit card information, two references who do not live with applicant
  • Credit check required? No
  • Minimum/Maximum Purchase: $300/$3,080
  • Process: Apply online or over the phone. Applicants may be: 1) Approved and receive a code to use at checkout, 2) Pre-Qualified, requiring additional supporting documents before final approval, or 3) Denied. Denied applicants can re-apply in 30 days if the criteria are met at that time.
  • Financing Options:
    • 12 months payments — minimum payments for a maximum term of 12 months
    • 90 day same as cash — take the product home today and pay over 90 days
    • 65% buyout — pay off entire balance after 90 days but before 12 months for 65% of the remaining balance
  • Return Policy: Returns are only accepted with authorization. Customer must report damages/shortages within five days of receipt of the product. Restocking fees apply for returns. No returns accepted for customers who solely purchase wheels once a tire is mounted.
  • Apply for financing online with Discounted Wheel Warehouse. Financing not available in Minnesota, New Jersey, Vermont, Wisconsin, Wyoming. Check out the Discounted Wheel Warehouse FAQs about financing.

Off Road Rim Finance

  • Fee: No money down, $49 to activate a no-credit loan once approved
  • Information Needed: Social Security number or ITIN, credit or debit card, checking account that has been opened for at least 90 days with no overdrafts, routing number, government-issued photo ID, minimum of 180 days with current employer, minimum income of $1,000 monthly. Must be 18 years of age or older.
  • Credit check required? Only for credit-based financing
  • Minimum/Maximum Purchase: Up to $2,500 or $3,000 depending on plan selected
  • Process: Obtain a free quote for the exact wheel and tire fitment desired. Once the personalized quote is received via email, apply for financing and obtain a contract which can be electronically signed
  • Financing Options:
    • No credit needed for 12-month terms up to $2,500
    • 90-day same as cash
    • Credit-based terms available, subject to credit score and debt to income ratio. Terms available in 12, 18, or 24 months up to $3,000
  • Return Policy: Tires cannot be returned once mounted and balanced on wheels and shipped to the customer unless there is a legitimate defect or incorrect fit.
  • Apply for financing online with Off Road Rim Finance. Applying indicates agreement with Off Road Rim Finance’s Terms and Conditions.

Patriot’s Custom Wheels

  • Fee: A modest down payment is required for all finance customers
  • Information Needed: Social Security number, active checking account, minimum income of $1,600 monthly. Must be at least 21 years old. Vehicle must be registered in the buyer’s name
  • Credit check required? Yes
  • Minimum/Maximum Purchase: Not listed
  • Process: Apply online to get started.
  • Financing Options: Revolving charge financing of 12, 18, or 24 months available.
  • Return Policy:  No returns accepted once tires have been mounted on wheels and shipped to the customer except in the case of a legitimate defect or incorrect fit. Return must be authorized. No returns once wheels/tires have been driven on.
  • Apply for financing online with Patriot’s Custom Wheels. Applying indicates agreement with Patriot’s Custom Wheels’ Terms and Conditions.

Super Buy Tires

  • Fee: A modest down payment is required for all finance customers.
  • Information Needed: Social Security number, driver’s license, minimum of 180 days with current employer, minimum income of $1,000 monthly, checking account that has been opened for at least 3 months with no NSFs, bounced checks, negative balances, or overdrafts in the past 30 days, credit card information, two references who do not live with applicant
  • Credit check required? Only for One Road Lending option
  • Minimum/Maximum Purchase: $300/$3,080
  • Process: Apply online for instant approval, then call the sales hotline to complete your order.
  • Financing Options:
    • Snap – 100 days same as cash or finance for one year
    • Progressive – 90 days same as cash or finance for one year; a decision is based on income.
    • One Road Lending – Financing for 12 months up to $1,500 and for 24 months up to $5,000
    • PayPal – Instant credit for customers with good credit. no payments for six months and zero interest if paid within six months
  • Return Policy:  No returns accepted once tires have been mounted on wheels and shipped to the customer except in the case of a legitimate defect or incorrect fit. Return must be authorized. No returns once wheels/tires have been driven on.
  • Apply for financing online with Super Buy Tires. Applying indicates agreement with the Super Buy Tires’ Terms and Conditions.

Wheel Fire

  • Fee: None
  • Information Needed: Last four digits of social security number
  • Credit check required? No
  • Minimum/Maximum Purchase: None
  • Process: After filling out an application online, you’ll be offered various options for payment plans. You’ll then set up automatic withdrawals from a bank account that will be debited at various times depending on the payment plan you select.
  • Financing Options: Plans of 3, 6, or 12 monthly payments; 10-30% APR depending on the plan
  • Return policy: No returns are accepted on used or damaged merchandise. Returns must be made within 15 calendar days of delivery and will incur a 20% restocking fee as well as shipping charges. If you return a full wheel and tire package returned, a $40 dismounting fee will be incurred.
  • Apply for financing online with Wheel Fire or contact Wheel Fire with questions at (866) 450-3473.

Local Stores That Finance Wheels and Tires

Big O Tires

  • Fee: Varies by location
  • Information Needed: Varies by location
  • Credit Check Required? Varies by location
  • Minimum/Maximum Purchase: The minimum and maximum purchase requirements vary by location.
  • Process: The process for financing tires and wheels will vary by location since Big O Tires stores are independently owned and operated.
  • Financing Options: Financing options vary by location.
  • Return Policy: Return policies vary by location.
  • Find a Big O Tire location near you.

Goodyear

  • Fee: None
  • Information Needed: Standard information required for credit card application including a credit check.
  • Credit Check Required? Yes
  • Minimum/Maximum Purchase: $250 minimum
  • Process: While Goodyear does not offer traditional financing, you can apply for the Goodyear Credit Card through CitiBank and get six months to pay off four tires costing a total of at least $250. Promotions can vary by season or location.
  • Financing Options: You’ll be offered six months with no interest on purchases of $250 or more. Interest will be charged to your account if your purchase amount is not paid in full within the qualifying number of months, and minimum payments are required.
  • Return Policy: Only a few selected tires have a 30-day guarantee and can be exchanged.
  • Find a Goodyear location near you or apply online for the Goodyear Credit Card (instant decision).

Firestone

  • Fee: None
  • Information Needed: Standard information required for credit card application including a credit check.
  • Credit Check Required? Yes
  • Minimum/Maximum Purchase: $299 minimum
  • Process: While Firestone does not offer traditional financing, you can apply for the Firestone Credit Card through CFNA and get six months to pay off tires costing a total of at least $299. Promotions can vary by season or location.
  • Financing Options: You’ll be offered six months with no interest on purchases of $299 or more.
  • Return Policy: Your return policy will vary by location; visit your local Firestone location for more information.
  • Find a Firestone location near you.

Les Schwab Tire Center

  • Fee: None
  • Information Needed: Standard information required for credit card application including a credit check.
  • Credit Check Required? Yes
  • Minimum/Maximum Purchase: None
  • Process: Visit a local Les Schwab Tire Center to get started with financing your tire and/or wheel purchase.
  • Financing Options:
    • Revolving Credit Plan: Upon approved credit, you’ll make monthly payments. The payments will vary depending on your account balance.
    • 90 Days Same as Cash: Upon approved credit, if your purchases are paid in full within 90 days of the purchase date, any finance charges previously added to your unpaid balance will be reversed.
    • Equal Payment Plan: Upon approved credit, Firestone will set monthly payments of 5% of the purchase price or 5% of the highest monthly statement balance (whichever is greater).
  • Return Policy: The return policy will vary depending on your individual situation.
  • Find a Les Schwab Tire Center location near you.

Mr. Tire Auto Service Center

  • Fee: None
  • Information Needed: Standard information required for credit card application including a credit check.
  • Credit Check Required? Yes
  • Minimum/Maximum Purchase: $250 minimum
  • Process: While Mr. Tire does not offer traditional financing, you can apply for the Mr. Tire Drive Card and get six months to pay off four tires costing a total of at least $250. Promotions can vary by season or location.
  • Financing Options: You’ll be offered six months with no interest on purchases of $250 or more.
  • Return Policy: The return policy will vary depending on your individual situation. Visit your local Mr. Tire Auto Service Center for more information.
  • Find a Mr. Tire Auto Service Center location near you.

Walmart Tire and Lube Express

  • Fee: None
  • Information Needed: Standard information required for credit card application including a credit check.
  • Credit Check Required? Yes
  • Minimum/Maximum Purchase: $250 for six months, $299 for 12 months
  • Process: While Walmart Tire and Lube Express does not offer traditional financing, you can apply for a Walmart Credit Card and get 6-12 months to pay off your tires depending on your purchase total.
  • Financing Options: You’ll be offered six months with no interest on purchases of $250-299; for purchases over $299, you’ll be offered 12 months with no interest. Promotions may vary by season or location.
  • Return Policy: Tires cannot be returned after they are mounted unless they are defective, in which case they can be exchanged.
  • Find a Walmart Tire and Lube Express location near you.

In Summary

Applying for financing for your wheels and tires can be as easy as filling out an application and providing some form of proof (often not a credit check) that you’ll be able to pay off your new purchase. Many different types of financing terms are available so that you can make payments over a period of time that’s best for your finances.

The stores we’ve listed in this article will help you get started; simply contact them by phone or online, and you can look forward to new wheels and tires soon without having to pay everything up front. Another way to achieve this same goal is to shop at the places that offer rent to own rims and tires. Or, if you really want to go the low-cost route, here’s how much it costs to get a damaged wheel fixed.

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