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Bad Credit? No FICO Score? How to Finance Tires and Rims With Bad or No Credit
By Tire Agent Staff
November 02, 2018
(Updated June 2023)
'Help. I need tires but I have no money.'
Tire Agent understands how important it is to have quality tires and wheels on your vehicles. We also understand that sometimes it's hard to come up with the money to pay for a large purchase like four brand-new tires and a complete set of wheels. We don't want our customers to sacrifice quality and road safety in order to buy cheap tires.
If you're looking for replacement tires and/or wheels, but you don't have the cash to make the complete purchase, you'll find several alternatives during the checkout process to buy-here-pay-here tire financing, easy tire payment plans, and low or no credit check options.
We are always looking for the best ways to help our customers buy tires online, so check our finance page for the most up-to-date options we offer.
Guide to Buying Tires and Rims With Bad Credit, No Credit
Financing your tire purchase through Tire Agent is easy and secure and takes very little time because we give you an instant approval decision. You can apply for more than one payment plan if your first choice is denied, and this will not affect your credit score.
So, you may be wondering, “What are these tire payment plans?" We've partnered with several third-party finance companies, which you can review on our finance page. Use our PayPair application: One application gets you matched with several options, and the application process will not affect your credit score.
The process is straightforward and hassle-free: First, find your tires and wheels by selecting the "Shop" option at the top of any page. Select your make, model, year and trim details, and confirm your rim and tire sizes. Need help finding the right size wheel and tire? Read this post on how to find your tire and wheel size.
Next, review the recommended wheels. Select "Show Payments As" to estimate weekly, biweekly, monthly and cash prices. After choosing your wheels, follow the same process to select your tires.
Once you've added your tires and wheels, you'll choose your delivery method (shipping is always free within the U.S.). Then review and select the payment plan you want to apply for. Click to apply, and an access code will be sent to your mobile phone. Simply enter the code to confirm your identity, answer a few quick questions and just like that your request is processed!
Tire Payment Plan Options
You will see all available financing options for you to purchase your tires and wheels. PayPair is Tire Agents' exclusive proprietary tire financing platform that is suitable for all of our shoppers. For convenience, we also partnered with Affirm leading pay-as-you-go firm for users with prime credit that want to avoid financing fees if paid by a certain date.
PayPair
For no-credit-needed tires, our PayPair program is suitable for customers who have no credit, low credit scores, or bad credit histories. PayPair offers one application for six tire payment plans. Options range from no money down to $49 down, with payments up to 24 months. For details, visit our financing page to learn more.
Affirm
Tire payment plans with Affirm may or may not include interest and will affect your credit score. Affirm offers a variety of repayment terms — 3-, 6- and 12-month plans and they don't penalize you if you pay it off early.
Rent to own rims and tires?
You may see offers for lease to own rims, without a credit check. These are, in fact, payment plans that allow you to break your payments into smaller amounts, which you pay weekly, biweekly, monthly or on whatever terms you and the finance company agree upon. Read the real story about "rent to own no credit check" offers.
How Bad Credit Financing Works With Tire Agent
Because of the importance of buying quality tires that last a long time and getting the best MPG and performance out of your vehicle, Tire Agent offers several options for financing wheel and tire purchases, including ways to buy tires with bad credit histories.
If you thought that “buy now, pay later” didn’t exist for people looking to buy tires with low credit scores, we hope you've learned that this is a myth! Purchasing new tires on credit just became possible and affordable due to flexible payment options that help people with low or no FICO credit score. Yes, that’s what we said — low or NO credit score buyers can be approved. Applying for these plans will not affect or harm your existing credit score, because only a soft credit check is performed, which is why you receive your decision instantly.
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How to Qualify for the $50 Offer
- Add items to your cart and begin checkout.
- Select PayPair and apply for financing.
- If you’re approved by a participating lender, you’ll see a $50 promotional rebate applied to your order total.
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To receive the $50, you must:
- Complete your purchase with a qualifying lender,
- Agree to the loan terms,
- And make the required number of consecutive on-time payments, as specified by the lender.
Note: Offer available only through select lenders. Additional eligibility requirements and conditions apply. Rebate may be issued after verification of qualifying payment activity. Terms subject to change.
How to Purchase Tires and Wheels
With a Payment Plan
Tire Agent's payment plans make it easy to get the best partial or full set of tires and wheels for your vehicle.
It's fast, secure and won't affect your credit score
Match with multiple lenders
Why Choose PayPair?
No Money Down
No Credit Needed
Early Buyout Options
Flexible Payments
PayPair’s Partners and Plans
No Money Down
No Money Down
No Credit Needed*
No Money Down
$1 to Start!*
No Money Down
No Credit Needed*
$1 to Start!*
No Money Down
Other Payment Plans
$0 to Little Down
Pay with your bank account
Simplified checkout experience
Faster and easier than using cards or cash
Simplified checkout experience
Faster and easier than using cards or cash
*SNAP: The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey and Wisconsin. NO CREDIT NEEDED: Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected. PAYMENT PLAN: The standard plan consists of renewable lease terms. To exercise an early ownership, consumers must make regular payments on time and schedule additional payments via the customer portal or by contacting Customer Care at 1-877-557-3769. KATAPULT: The Promotional Initial Payment (plus any applicable taxes and fees) is due at lease signing. Your lease-purchase payment amount will be determined after you select your product(s). You will not acquire ownership of the product(s) if the total amount necessary to acquire ownership is not paid. The Promotional Initial Payment does not reduce the cost of the lease-purchase agreement. The Promotional Initial Payment is only available when shopping at Tire Agent through the Katapult mobile app and at Tire Agent’s website. Product pricing subject to change and availability. Disclosure: 90-day early purchase option (EPO) terms and conditions apply: Connecticut, Hawaii, Indiana, Iowa, Maine, Michigan, Nebraska, South Carolina and West Virginia: During the first 90 days, your EPO price will be the sum of the leased item’s cash price, 5% of cash price, and $45, less all lease renewal payments made (excluding any tax or fees paid), plus sales tax. California: During the first 3 months, your EPO price will be the item’s cash price less all lease renewal payments made (excluding any tax or fees paid), plus sales tax. All other states: During the first 90 days, your EPO price will be the leased item’s cash price, plus 5% of cash price, less all lease renewal payments made (excluding any tax or fees paid), plus sales tax. PROGRESSIVE: Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY. Progressive Leasing obtains information from credit bureaus. Not all applicants are approved. Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early or to cancel lease, you must call 877-898-1970. Retailer cannot activate early purchase options.