A wheel and tire package on a full-size truck runs $1,500 to $2,500 for most builds, with many topping out around $3,000. Add a lift and that number can get even higher. That's why a lot of guys build in pieces over two years, or don't build at all. Financing is how you skip that.
How Wheel and Tire Financing Works
Build your cart, review the payment options available at checkout, and apply with Affirm or Katapult where offered. Approval, eligible products, payment schedules, and shipping timelines vary. Affirm is an installment loan; Katapult is a lease-to-own program with scheduled lease payments.
That's the whole process. The part that matters is picking the right option for your credit.
Affirm vs Katapult: Which One Is for You
Affirm
Affirm lets qualified buyers pay for eligible purchases in fixed monthly installments. Checking eligibility won't affect your credit score. There are no late fees or prepayment fees. Review the options offered for your purchase before accepting a loan. Your rate will be 0% APR or 10 to 36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
Katapult
Katapult is a lease-to-own option with no credit required, advertised at Custom Offsets with as low as $1 down. That is a starting offer, not a guaranteed initial payment for every customer. Approval and availability still apply. Review your initial payment, scheduled payments, total cost to own, and early-purchase terms in the agreement before committing.
Katapult's total cost to own is higher than the merchant's cash price. A low initial payment does not tell you the full cost.
Compare the total cost, payment schedule, and ownership terms of the offers you actually receive. Neither established credit nor a prequalification result guarantees approval for the entire cart.
What You Can Finance
Eligible items may be included in the payment options offered for your cart. Check product eligibility and your approved amount. Categories include:
- Wheel and tire packages, shipped mounted and balanced
- Wheels only or tires only
- Lift kits and leveling kits
- Suspension, lighting, and the accessories that finish the build
Check whether your selected parts qualify together and whether the approval covers your purchase. A down payment or a different payment method may be needed.
Lift Kit Financing
Suspension is usually the biggest single line item on a build, and it's the part that decides what tire actually clears. If you finance wheels and tires this year and the lift next year, you either run a smaller wheel and tire than you wanted, or you have to buy twice.
Planning the lift kit with the wheels and tires helps you check fitment before ordering. If those items qualify for your payment option, review the combined cost before accepting.
What Your Monthly Payment Looks Like
For illustration only, financing $2,000 over 12 months with no down payment would be about $166.67 per month at 0% APR, or about $180.52 at 15% APR. These calculations are not a quote or a guaranteed offer. Compare the total repayment amount as well as the monthly payment.
On eligible product pages, look for the Pay Later section and its estimated monthly payment. Current CO product pages can display payment estimates and term selectors; your actual rate, approved amount, term, and any down payment are determined by the offer shown before you commit.
Finance the Right Setup, Not a Mistake
A financed build that rubs on full turn is worse than a cash build that rubs, because you're still paying for it in month nine. So before you pick a payment plan, confirm the fitment.
Pull your truck up in the fitment gallery, filter by your lift, and find real owners running the wheel and tire combo you want. Run your year, make, and model through the fitment tool. Then finance the setup you know clears.
Wheel and Tire Financing FAQ
Can I finance wheels and tires with bad credit?
You may have payment options. Katapult offers lease-to-own with no credit required, but approval, product eligibility, and availability still apply. Review the options shown at checkout.
Does applying hurt my credit?
Checking eligibility with Affirm won't affect your credit score. That does not mean the loan or repayment activity can never affect your credit. Katapult advertises no credit required; review its application disclosures rather than assuming no credit information is used.
Can I finance a lift kit and a wheel and tire package together?
Eligible items may qualify together, depending on the provider, your approved amount, and the options shown at checkout. Confirm the whole cart is covered before committing.
Is there wheel and tire financing near me?
You can review payment options online at Custom Offsets. Product eligibility, provider availability, and delivery restrictions vary; confirm them for your location before ordering.
Can I pay it off early?
Affirm does not charge prepayment fees. Katapult offers early-purchase options; check your agreement for the deadline, purchase amount, and applicable costs. An early purchase is not automatically interest-free or the same as paying the cash price.
