Get the wheels and tires you want now. Pay over time.

Yes. You can choose Affirm, PayPal Pay Later, Snap Finance, Katapult, Acima, Kafene or PayTomorrow at checkout for wheels, tires or a wheel & tire package. Each provider’s approval, amount limits and eligible-item rules apply.

It depends on the provider. Affirm says checking for personalized plans won’t affect your credit. PayPal says Pay in 4 may need a soft credit check that won’t affect your credit score, and Pay Monthly is subject to credit approval. Snap says applying won’t affect your FICO score, but it gets information from consumer reporting agencies, and your score with those agencies may be affected. Katapult says applying doesn’t impact your credit score. PayTomorrow may obtain consumer reports and may report payments to credit bureaus. Check each provider’s terms for details.

Lease-to-own options are built for shoppers with limited credit history. Snap Finance and Katapult say no credit history is required. Acima and Kafene look at things like income, a checking account and ID. PayTomorrow uses one application that may lead to a lease-to-own or loan offer. Remember: lease-to-own is not a loan, and the total cost to own is more than the cash price. Not all applicants are approved.

With a loan (Affirm or PayPal Pay Later), you buy the wheels and tires and repay the amount plus any interest on a fixed schedule. With lease-to-own (Snap, Katapult, Acima or Kafene), the leasing company buys the items and leases them to you. You own them after you finish the lease, or earlier with an early purchase option. The total cost to own through a lease is more than the cash price.

The lease-to-own providers offer early ownership options that lower your total cost. Katapult says buying within 3 months saves the most. Acima lets you purchase early at a discount. Kafene offers an early purchase period (for example, about 90 days) and an early payoff discount after that. Snap offers an early ownership option if all required payments are made on time. For Affirm and PayPal, check your loan agreement for payoff details.

It varies by provider. Acima asks for an active checking account with at least $750/month income, 3 months of income history, and a government photo ID plus SSN or ITIN. Kafene asks that you be 18 or older with a government ID, at least $800/month income and an active checking account. PayPal Pay Later requires you to be 18 or older. Affirm and PayPal run an eligibility check and may ask for more information.

Each provider sets its own limits. PayPal Pay in 4 covers $10–$2,000 and Pay Monthly covers $49–$10,000. Snap and Acima approvals range from $300 to $5,000. Kafene customers can qualify for up to $5,000, and Katapult pre-approvals go up to $3,500. Affirm’s options depend on your purchase amount.

Each provider makes its own decision, so if one declines you, you can go back to the payment step and choose another. Returns follow our return policy. If you paid with a loan or a lease, your provider will also need to adjust your agreement. Katapult and Acima, for example, allow you to return leased items under their terms. Contact us and your provider for help.

Mounted items: per our Shipping & Returns policy, mounted items, clearance and special orders can’t be returned, and returns may carry a 15–25% restocking fee.