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Bad Credit? No FICO Score? How to Finance Tires and Rims With Bad or No Credit

By Tire Agent Staff

November 02, 2018

(Updated June 2023)


'Help. I need tires but I have no money.' 

Tire Agent understands how important it is to have quality tires and wheels on your vehicles. We also understand that sometimes it's hard to come up with the money to pay for a large purchase like four brand-new tires and a complete set of wheels. We don't want our customers to sacrifice quality and road safety in order to buy cheap tires. 

If you're looking for replacement tires and/or wheels, but you don't have the cash to make the complete purchase, you'll find several alternatives during the checkout process to buy-here-pay-here tire financing, easy tire payment plans, and low or no credit check options.

We are always looking for the best ways to help our customers buy tires online, so check our finance page for the most up-to-date options we offer. 


Guide to Buying Tires and Rims With Bad Credit, No Credit

Financing your tire purchase through Tire Agent is easy and secure and takes very little time because we give you an instant approval decision. You can apply for more than one payment plan if your first choice is denied, and this will not affect your credit score.

So, you may be wondering, “What are these tire payment plans?" We've partnered with several third-party finance companies, which you can review on our finance page. Use our PayPair application: One application gets you matched with several options, and the application process will not affect your credit score. 


The process is straightforward and hassle-free: First, find your tires and wheels by selecting the "Shop" option at the top of any page. Select your make, model, year and trim details, and confirm your rim and tire sizes. Need help finding the right size wheel and tire? Read this post on how to find your tire and wheel size.

Next, review the recommended wheels. Select "Show Payments As" to estimate weekly, biweekly, monthly and cash prices. After choosing your wheels, follow the same process to select your tires. 

Once you've added your tires and wheels, you'll choose your delivery method (shipping is always free within the U.S.). Then review and select the payment plan you want to apply for. Click to apply, and an access code will be sent to your mobile phone. Simply enter the code to confirm your identity, answer a few quick questions and just like that your request is processed!

Tire Payment Plan Options

You will see all available financing options for you to purchase your tires and wheels. PayPair is Tire Agents' exclusive proprietary tire financing platform that is suitable for all of our shoppers. For convenience, we also partnered with Affirm leading pay-as-you-go firm for users with prime credit that want to avoid financing fees if paid by a certain date.


For no-credit-needed tires, our PayPair program is suitable for customers who have no credit, low credit scores, or bad credit histories. PayPair offers one application for six tire payment plans. Options range from no money down to $49 down, with payments up to 24 months. For details, visit our financing page to learn more.


Tire payment plans with Affirm may or may not include interest and will affect your credit score. Affirm offers a variety of repayment terms — 3-, 6- and 12-month plans and they don't penalize you if you pay it off early. 

Rent to own rims and tires?

You may see offers for lease to own rims, without a credit check. These are, in fact, payment plans that allow you to break your payments into smaller amounts, which you pay weekly, biweekly, monthly or on whatever terms you and the finance company agree upon. Read the real story about "rent to own no credit check" offers.

How Bad Credit Financing Works With Tire Agent

Because of the importance of buying quality tires that last a long time and getting the best MPG and performance out of your vehicle, Tire Agent offers several options for financing wheel and tire purchases, including ways to buy tires with bad credit histories. 

If you thought that “buy now, pay later” didn’t exist for people looking to buy tires with low credit scores, we hope you've learned that this is a myth! Purchasing new tires on credit just became possible and affordable due to flexible payment options that help people with low or no FICO credit score. Yes, that’s what we said — low or NO credit score buyers can be approved. Applying for these plans will not affect or harm your existing credit score, because only a soft credit check is performed, which is why you receive your decision instantly.