Bad Credit? No FICO Score? How to Buy Tires and Rims With Bad or No Credit

‘I need tires, but I have no money. Who finances tires?’

Tire Agent understands how important it is to have quality tires and wheels on your vehicles. We also understand that sometimes it’s difficult 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 drivers to sacrifice quality and road safety to buy cheap tires.

If you’re looking for replacement tires and/or wheels, but you don’t have the cash, you’ll find several alternatives to buy-here-pay-here tire financing, easy tire payment plans, and low or no credit check options. 

Do any of these situations sound familiar?

• You’ve got poor credit and want tire financing that won’t worsen your credit score.
• There’s no sugar-coating it: You’ve got bad credit and need to buy tires without racking up more credit card debt.
• Credit? What’s that? You’ve either got no credit or don’t want to use credit to purchase tires or wheels. You need a payment plan where no credit is needed.

If you relate to those challenges, Tire Agent’s PayPair offers tire payment options that include:

• Buy tires now pay later, pay over time
• Rent to own tires and rims
• Get tires with no money down
• Monthly payments on tires and wheels
• Flexible payment options

We find the best ways to help our customers buy tires online, so check our finance page for the most up-to-date options we offer.

When Financing Rims and Tires With No Credit ‘Near Me’ Isn’t An Option

Tire Agent offers two big advantages to traditional ‘near me’ finance options. First, your entire shopping and PayPair application is online, which means it is secure and private. Second, we have more options than you’ll find from your local tire and wheel seller. As we write this, PayPair offers 10 payment alternatives to cash. 

Financing your tire purchase through Tire Agent is easy and secure and takes very little time. Get an instant approval decision during the checkout process. 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. One application delivers several options, and the application process will not impact your credit score.

The process is straightforward and hassle-free:

1. First, find your tires and wheels by selecting the Shop option at the top of any page.
   
2. Select your make, model, year and trim details, and confirm your rim and tire sizes. CONFIRM your trim level and tire size (don’t guess!).
   
3. Enter your ZIP code. (Why do we ask for this? Tires and wheels ship from multiple locations around the U.S., and this will help us find in-stock items near you.)
4. Select filters that matter to you: price, brand, tread type, warranty and more than a dozen options.
   
5. Next, review the recommended tires. Select Show Payments As to estimate weekly, biweekly, monthly and cash prices. 
6. Add your tires to your cart and go through the checkout process. Choose your delivery method (shipping is always free within the continental U.S.). 
7. When you get to Payment Method, select Payment Plans or Pay in Full. In the Payment Plans, select PayPair or Affirm.
   
8. Review and select the payment plan you want to apply for. Click to apply, and follow the prompts. Most applications are processed immediately. If you have questions about the terms or plan details, we’ve provided toll-free numbers and email addresses so you can contact the companies directly.
   

Tire Payment Plan Options

During the checkout process, you will see all available financing options to you for purchasing your tires and wheels. PayPair is Tire Agents’ exclusive proprietary tire payment platform that is suitable for all of our shoppers. We also partner with Affirm, a leading pay-as-you-go option, that over 19 million shoppers use to purchase home goods, auto parts, travel, electronics and more.

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 multiple tire payment plans. Options may include*:

• No money down or as little as $1 down
• Payments up to 13, 18 or 24 months
• 90-day early buyout options*****
• Apply with no impact on FICO score
• No bank info required

Affirm

Tire payment plans with Affirm may or may not include interest, and they will affect your credit score. Affirm offers a variety of repayment terms — most notably “Pay in 4” or pay in monthly installments (from 3 to up to 24 months). These terms are subject to change and may not be available to every applicant or through every vendor. Visit Affirm’s How It Works page for details. 

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 divide your payments into smaller amounts. 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.**** 

Does Tire Agent lease rims or tires with no credit check? Some payment plans offered through PayPair may include lease plans. Please read the terms and conditions for plans that interest you.  

Best Place to Finance Tires

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 on your terms.

Purchasing new tires and rims on credit just became possible and affordable with 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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* These are examples of options from PayPair’s partners and plans. Options are subject to change and even expire. Payment plan and lease-to-own providers may change their terms at any time, and some applicants may not be eligible for all PayPair plans. For the most current offers and their terms, please visit our PayPair page.

** With lease-to-own products, you will not own the product until you meet one of the buyout options within the lease agreement. 

*** Approval is possible without a credit score, but credit may be checked. The transaction advertised is a lease. A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and a payment solution company, such as American First Finance (AFF). AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item is more than the retail cost. You can save money if you pay in full during the Early Buyout Option (EBO) period. You must make payments larger than your regular scheduled payments to ensure your account is paid off by the EBO expiration date.

**** “No Credit Needed” does not imply no credit check. This is a lease-to-own product. You will not own the leased items unless you make all scheduled payments or prepay in accordance with the lease. Details may vary by state. For qualifying customers only. Offer subject to change. 

***** 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.

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