You can finance wheels, tires or a complete wheel and tire package, and you pick how you pay at checkout. There are four providers to choose from: Affirm, Klarna, PayPal Credit and Snap Finance. This guide covers what each one offers, how checkout works, and which packages you can finance.

Wheel financing: the four providers at checkout

You choose your provider when you check out. Pick your setup first, then choose from Affirm, Klarna, PayPal Credit or Snap Finance. Each one works differently, so it helps to know the basics before you start building.

Financing is offered at rates as low as 0% APR, and there are zero-down options. Approval and terms are set by each provider. Prequalifying or checking your rate with Affirm, Klarna or PayPal Credit has no impact on your credit score.

Lease to own wheels and tires vs pay over time

The four providers fall into two groups. Knowing which group fits you narrows the choice fast.

If you have little or no credit history, Snap is the option built for that. Lease-to-own is a different arrangement from a loan, and the lease terms come from Snap. Read them before you sign.

If you'd rather split the cost into payments, look at Affirm, Klarna or PayPal Credit. You can check your rate first without it touching your credit score.

How checkout financing works, step by step

• Pick your setup. Choose your wheels and tires, or build a complete package.
• Choose a provider at checkout. Select Affirm, Klarna, PayPal Credit or Snap Finance.
• Prequalify. With Affirm, Klarna and PayPal Credit, checking your rate has no impact on your credit score. Snap approvals come back in minutes.
• Finish the order. You see any required down payment and your exact monthly amount before you check out.

Tire and wheel financing: what you can finance

Financing covers wheels, tires and complete wheel and tire packages. You can finance a set of wheels for your car on its own. You can do the same with wheels for trucks and SUVs, or with a fresh set of tires.

One tip before you finance anything: lock in fitment first. Run your exact year, make and model through the fitment calculator so the bolt pattern, size and offset you're paying off actually suit your car. A set that doesn't fit is the last thing you want on a payment plan.

Wheel and tire packages financing

A package puts wheels and tires on one order, which means one financing plan instead of two. There are two ways to get one.

Ready-made packages

Ready-made wheel and tire packages pair a wheel and tire set for a specific year, make and model. This is the quickest route if you want a matched setup without picking every piece yourself.

The package builder

The package builder lets you pick any wheel and add tires to it. Use it when you already know the wheel you want and just need rubber to go with it.

Packages by setup

• All wheel and tire package options
• Packages sized for trucks
• Staggered setups with wider rears

All of these are wheel and tire packages, so you can finance any of them with the provider you pick at checkout.

Rims and tires payment plan: picking a provider

There's no single best choice. It depends on how you want to pay.

• Want a set term you can plan around? Affirm runs 3 to 36 months and shows your exact rate up front.
• Want it paid off in a few chunks? Klarna splits the cost into 4 interest-free payments. You can also choose monthly.
• Already use PayPal? PayPal Credit puts flexible monthly payments on your PayPal account.
• Limited credit history? Snap Finance is lease-to-own with no credit needed.

Whichever you lean toward, compare what each provider shows you before you check out. Look at the down payment and the monthly amount side by side. Those two numbers tell you more than any label does.

Ready to start? Pick a matched set for your year, make and model or open the builder to pair any wheel with tires, then choose your financing at checkout.