Does Custom Offsets Offer Lease-To-Own Options On Aftermarket Wheels?
September 3, 2026
Updated September 2026
Quick Answer
Yes. Custom Offsets offers lease-to-own through Katapult, with as low as $1 down, and traditional financing through Affirm. Affirm rates are 0% APR or 10 to 36% APR based on credit. Checking your eligibility will not affect your credit. Options depend on your purchase amount and a down payment may be required. Active duty military, veterans, and first responders also qualify for 15% off Anthem Off-Road wheels.
Wheels and tires are one of those purchases where the number gets big fast, especially once you add suspension. So the question we get more than almost any other is some version of how do I pay for this without putting it all on a card. Here are the actual answers, including the one most people do not know about.
Does Custom Offsets Offer Lease-To-Own?
Yes. Lease-to-own runs through Katapult, which is an Affirm partner. The headline is that you can get started with as little as $1 down, which is what makes it useful if you have the monthly room but not the cash sitting there today.
Lease-to-own is structurally different from a loan, and it is worth understanding that before you pick it. You are leasing the wheels with a path to owning them, rather than borrowing money to buy them outright. That difference is why the approval process looks at things a traditional lender might not, and it is also why the total you pay over the full term can differ from the sticker price. Read the terms Katapult presents you at checkout, because those are the terms that govern, not anything on this page.
The Other Option: Affirm
Traditional financing runs through Affirm. You pick your build, choose Affirm at checkout, and pay it off in fixed monthly payments.
| Term | What It Actually Is |
|---|---|
| APR | 0% APR or 10 to 36% APR, based on credit. The 0% is the best case, not the standard case. |
| Down payment | May be required. It depends on your purchase amount. |
| Approval | Subject to an eligibility check. Affirm looks at your credit plus several other data points. |
| Example | A $700 purchase might cost $72.21 a month over 12 months at 15% APR. |
You will see "as low as 0% APR" on a lot of pages, including ours. That is the floor, not the rate. The published range is 0% or 10 to 36% depending on your credit, and where you land inside that range changes what the build actually costs you. Run your real numbers at checkout before you commit to a package size.
Which One Makes Sense
Short version. If your credit is solid, financing usually costs you less over the life of it, and the 0% end of the range is genuinely free money. If your credit is not where you want it, lease-to-own is the path that is actually open to you, and the $1 down start is real.
- Good credit, want it cheapest Affirm. Chase the low end of the APR range and pay it off fast.
- Cash-tight right now Katapult lease-to-own. As low as $1 down gets the wheels on the truck.
- Rebuilding credit Lease-to-own, because approval weighs different things than a traditional loan.
- Buying Anthem wheels and you served Take the 15% first, then finance the smaller number.
Will Checking Hurt My Credit?
No. Checking your eligibility will not affect your credit. You can see what you qualify for before you commit to anything, which means there is no downside to finding out.
Understand the distinction though. Checking eligibility is not the same as completing a purchase. What happens to your credit after you actually take financing or a lease, including reporting and any impact from how you pay it, is governed by the agreement you sign with Affirm or Katapult. Read it. We are a wheel company, not your lender, and the terms they show you at checkout are the ones that count.
Military, Veteran, And First Responder Discount
This one gets asked constantly and the answer is not on most of our pages, so here it is plainly.
Active duty military, veterans, and first responders qualify for 15% off any set of Anthem Off-Road wheels through the Anthem Off-Road Hero Discount. First responders means EMTs, paramedics, firefighters, and law enforcement officers. It applies across the Anthem lineup, and it includes the No Questions Asked Replacement Plan.
You will need to provide appropriate identification and submit an application. Full details, including the application, are on our Anthem Off-Road Hero Discount page.
Worth being straight about the scope. The Hero Discount is an Anthem Off-Road program, so it applies to Anthem wheels, not to everything in the store. If you are shopping another brand, ask us what is running before you order rather than assuming.
How To Actually Do It
- Step 1 Build your setup. Pick your truck, wheels, tires, and suspension so you have a real number to work with.
- Step 2 If you qualify for the Hero Discount and you are buying Anthem, apply that first so you are financing the smaller total.
- Step 3 Choose Affirm or Katapult at checkout and complete their eligibility check.
- Step 4 Read what they present you. Rate, term, total cost, and any down payment. Those terms are the deal.
Full terms, the payment estimator, and the current details for both providers live on our financing page. If something there does not match what you are seeing at checkout, call us at 920-221-0110 and we will sort it out.
Build It Now, Pay Over Time
Pick your truck and see what your setup costs before you decide how to pay for it.
Start My Build See Financing TermsPayment Options FAQ
Does Custom Offsets offer lease-to-own on wheels?
Yes. Lease-to-own is available through Katapult, an Affirm partner, with as low as $1 down. Lease-to-own is structured differently from a loan, so the approval process weighs different factors and the total paid over the full term can differ from the purchase price. The terms Katapult presents at checkout are the ones that govern.
Does Custom Offsets offer financing?
Yes, through Affirm. Rates are 0% APR or 10 to 36% APR based on credit. A down payment may be required, and options depend on your purchase amount. As a published example, a $700 purchase might cost $72.21 a month over 12 months at 15% APR. Financing is subject to an eligibility check.
Does Custom Offsets offer a military discount?
Yes, through the Anthem Off-Road Hero Discount. Active duty military, veterans, and first responders, meaning EMTs, paramedics, firefighters, and law enforcement officers, qualify for 15% off any set of Anthem Off-Road wheels. It includes the No Questions Asked Replacement Plan. You will need to provide appropriate identification and submit an application. The discount applies to Anthem Off-Road wheels specifically rather than the entire store.
Will checking financing eligibility hurt my credit score?
No. Checking your eligibility will not affect your credit, so you can see what you qualify for before committing to anything. That is separate from what happens after you complete a purchase, which is governed by the agreement you sign with Affirm or Katapult. Read their terms at checkout.
Can I get wheels with bad credit?
Often yes. Lease-to-own through Katapult exists for exactly this situation and starts as low as $1 down, because approval weighs factors a traditional loan may not. Affirm also states that it bases its decision not only on your credit but on several other data points. Neither is a guarantee of approval, and both run an eligibility check.
Is lease-to-own the same as financing?
No. With financing you are borrowing money to buy the wheels outright and paying the loan back with interest. With lease-to-own you are leasing the wheels with a path to ownership. The approval criteria differ, and the total you pay across a full lease term can differ from the purchase price. Compare the total cost of each, not just the monthly payment.
Build It, Then Pick How To Pay
The easiest way to figure out what works is to build the setup first so you have a real number instead of a guess. We have been documenting truck fitment since 2012, with over 100,000 real setups and 1.25 million photos, so you can see your exact combination on a truck like yours before you spend anything. Wheel and tire packages ship mounted and balanced free with free shipping to the lower 48.
More on ordering
Financing and lease-to-own terms on this page reflect what is published on our financing page and are subject to change. Rates, approval, and available terms depend on your credit and purchase amount, and the agreement presented to you by Affirm or Katapult at checkout governs your purchase. Custom Offsets is a retailer, not a lender. Discount eligibility requires appropriate identification and an approved application. Questions? Call 920-221-0110.
