Replacing your tires or upgrading your rims is not a small expense. A full set of quality tires can cost anywhere from $400 to $1,200, and a set of aftermarket rims can push that number even higher. For a lot of drivers, paying that amount in one shot just is not realistic. That is exactly why tire and rim financing has become so popular. More companies than ever now offer payment plans, lease-to-own programs, and buy-now-pay-later options that let you get what you need today and pay over time.
But not all financing companies are the same. Some have better approval rates. Some offer lower fees. Some ship faster or carry a wider selection. If you are going to split the cost of your next set of wheels, you want to make sure you are working with a company that treats you fairly and delivers what it promises.
Here are 9 companies that offer financing on rims and tires, ranked by overall value, customer experience, and financing flexibility.
1. TireBros24
TireBros24 is an online tire and wheel retailer based in San Diego, California. Founded in 2021, the company has quickly built a strong reputation with an A+ rating from the Better Business Bureau and a 5-star rating on Trustpilot based on over 200 reviews. They carry all major tire brands and a large selection of aftermarket wheels for cars, trucks, and SUVs. Financing is offered through Affirm and UOWN, covering customers with good credit, bad credit, and no credit history at all. They also offer no credit check options through their lease-to-own partners. Every order ships free across all 50 states, and they provide mobile installation services in select areas. Their customer service team is consistently praised for being responsive and helpful.
2. Rent A Wheel (RAW Wheels + Tires)
Rent A Wheel is a rent-to-own wheel and tire retailer in the United States with over 136 locations across 17 states. They do not run traditional credit checks, making them accessible to almost anyone with a steady income. Their rent-to-own program runs up to 12 months, and they offer a 90 Days Same As Cash option. In-store customers get free mounting, balancing, installation, and lifetime rotation. They also sell online with free shipping to the continental U.S.
3. Discounted Wheel Warehouse
Discounted Wheel Warehouse offers many wheel options. They partner with PayTomorrow for financing, offering terms from 3 to 36 months with a 90 Days Same As Cash option. Approval amounts go up to $6,500, and initial payments can be as low as $0 to $59 depending on the plan. They cater to all credit types, including bad credit and no credit. Free shipping is included on all orders.
4. Custom Offsets
Custom Offsets is a well-known name in the truck and SUV aftermarket community. They specialize in wheels, tires, lift kits, and accessories. Financing is available through Affirm for customers with established credit and Katapult for those with developing credit. Affirm offers fixed monthly payments with rates from 0 to 30 percent APR. Katapult provides a lease-to-own option with a 90-day early buyout.
5. Tire Agent
Tire Agent uses a financing system called PayPair, which connects buyers with multiple payment plan providers at checkout. Options include Affirm, Snap, Katapult, and others, covering a wide range of credit profiles. Payment plans run up to 24 months, and some programs require no hard credit inquiry. They carry a full range of tires and wheels with free shipping.
6. WheelsASAP
WheelsASAP focuses specifically on rim and tire package financing. They partner with Affirm and Katapult, offering terms from 3 to 36 months with APR rates between 0 and 30 percent. All packages ship mounted and balanced, ready to install. Their search tool filters by year, make, and model to guarantee proper fitment.
7. BB Wheels
BB Wheels is an online retailer that sells wheels, tires, and accessories with financing through PayTomorrow. They offer terms up to 36 months, a 90 Days Same As Cash option, and zero percent financing for qualified buyers. They accept customers with excellent, low, bad, or no credit. Their pre-qualification process lets you see your approved amount before you start shopping, which helps avoid surprises at checkout.
8. Off-Road Rim Financing
As the name suggests, this company specializes in wheels and tires for trucks and Jeeps. Every wheel and tire package is shipped mounted, balanced, and ready to bolt on. They offer lease-to-own and no credit needed financing programs. Free shipping is included across the lower 48 states. Their catalog covers major off-road brands, and the website lets you filter by vehicle, size, brand, and price.
9. Dan the Tire Man
Dan the Tire Man is an online tire retailer that offers lease-to-own financing through Koalafi and Progressive Leasing. They market themselves as a source for affordable tires with zero down and no hard credit check. Their catalog covers both car and truck tires. While their selection of rims is smaller compared to some competitors, their financing accessibility makes them a solid option for buyers focused primarily on replacing tires on a budget.
How to Pick the Right Company
Choosing the right financing provider comes down to a few key factors.
- Check financing partners. Make sure they work with lenders that match your credit profile. Good credit? Look for Affirm with zero percent APR. Limited credit? Look for Katapult or Snap lease-to-own programs.
- Compare total cost. A low weekly payment means nothing if the final amount is way above retail price. Always check the full payoff number.
- Review shipping and fitment policies. The best companies ship mounted and balanced packages with free shipping. Do not pay extra for what others include.
- Read real customer reviews. Check Trustpilot, BBB, and Google to see what actually happens after you order.
Conclusion
Financing rims and tires is a practical way to get what your vehicle needs without draining your bank account. All ten companies offer legitimate options, but TireBros24 earns the top spot for its wide product catalog, multiple financing partners, no credit check options, A+ BBB rating, and strong customer reviews.