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Tire Leasing and Tire Payment Plans

By Tire Agent Staff

March 28, 2022


(Original post date October 12, 2018)

We all know tires can get expensive — replacing one tire quickly becomes replacing two and then, suddenly, all four. A payment plan for your tire purchase eases the blow to your wallet and will relieve the pressure of an unexpected yet necessary purchase. Even if you are just in the market for the perfect set of tires, a payment plan can help extend your ability to purchase exactly which tires you want.

Related: How Does Tire Agent Work? You might find that article helpful, as it walks you through the process of buying tires online from Tire Agent.

What Is a Tire Lease Program?

A tire lease program is not quite the same as a vehicle lease program, where you make payments over an agreed-upon period of time and/or for a limited number of miles, then return the vehicle or buy it at the end of the term. To understand how lease-to-own programs for tires work, it's best to visit Tire Agent's tire and wheel finance page, which lists the most up-to-date partners and programs. 

Tire Agent partners with payment plan companies that you might see referred to as --“pay-over-time”,  “lease-to-own”, or "tire layaway" methods for making payments on tires. Payment plans offer extended time to pay for your purchase, and they are easy, user-friendly, and have little or no interest depending on the plan you choose. Having multiple options for our customers, Tire Agent gives the customer the power to buy tires using the payment plan that’s right for them.

Some companies offer tire leasing, the terms of which vary from state to state and from leasing company to leasing company. You'll be able to review their offers before agreeing to the lease terms. 

When applying for a wheel or tire payment plan, the companies below perform only a soft credit check. Some companies listed below may approve you for a payment plan even if you have a low or no FICO score. Not only that but all your information is kept secure and is never shared with a third party.

Which Tire Payment Plan Is Right For You?

Whether you are looking to pay over time, incur little or no interest, or prefer a user-friendly alternative payment method, there’s a plan that will work for you. Terms and offers are subject to change, so during the checkout process, read the latest offers from Tire Agent's tire financing partners.

Acima tires

Acima describes itself as a lease-to-own solution for several consumer purchases, including tires. 

  • Weekly, biweekly and monthly options
  • $50 down payment
  • Early buyout may be available 


Affirm is a payment plan that offers a simple and easy 3, 6, or 12 month payment period. APR is determined based on your credit score and purchase price of your tires and/or wheels. You'll be able to read more details about using Affirm to buy tires during the checkout process. 

American First for tires

American First tends to offer higher approval amounts and a flexible payment schedule.

  • Weekly, biweekly and monthly options
  • Early buyout options may be available with no early pay-off penalties

FlexShopper tires

Flex for tires offer payment plans that span 52 weeks (1 year).

  • No money down
  • 90-day same as cash option (not available in all states)
  • Flexible payment plans (hence the name) 


Buy tires through Tire Agent with Greenwave, with as little as $5 down.

  • Weekly, biweekly, and semi-weekly payment plans 
  • Payments adjustable after the first payment
  • Pay over 14 months
  • 120-day early buyout option
  • No credit check required
  • Not available in all states

Okinus tires

Okinus is a lease-purchase program provider that offers quick approvals and no credit checks. Get the latest offers for Okinus tire financing during the checkout process with Tire Agent.  

  • Biweekly, semi-weekly and quad-weekly options are available
  • An early buyout option may be available in some states

PayTomorrow tires

PayTomorrow offers consumer financing for several types of purchases, including tires. During the checkout process, you can learn more about the latest from PayTomorrow and their tire purchase plans.

  • One application
  • No hidden fees 
  • No penalties for early pay-off
  • Low down payment
  • Weekly, biweekly, and monthly payments may be available

Snap Finance

Snap Finance for tire purchases helps credit-challenged shoppers make purchases.

  • 12 to 18 month terms
  • Not available in all states
  • Biweekly, semi-monthly, and quad-weekly payment options
  • A processing fee may apply
  • An early buyout may be available

UOwn tires

UOwn Tires offers a 90-day same as cash option. During the purchase process with Tire Agent, you will be able to learn more about the latest offers for UOwn leasing tires and offering payment plans.

  • Payments can be made over 13 months
  • No money down
  • Weekly, biweekly or semi-weekly 
  • No credit check

Viabill tire payments

Viabill is a simple way to break your tire payments into four smaller payments.

  • 4 months of payments
  • 25% down payment required
  • Monthly payments
  • No early buyout option

How Does Tire Agent Work With Lease To Own Tires?

The process is simple and provides a hassle-free payment plan to purchase your new tires. Just follow these steps to apply:

Step 1. Search for tires by your vehicle or by the size you are looking for and click find tires.

Step 2. Click “Add to Cart” on the tire you would like to buy and go through the checkout process starting with entering your shipping and billing information.

Step 3. On the payment page, select “Payment Plans” and click on the payment plan company you would like to apply for.

Step 4. Answer the few simple questions that are asked and a decision will be processed instantly.

Tire Agent Sets Itself Apart From The Rest

Allowing our customers the choice of payment plans grants the power to consumers of various income levels and credit scores. Because each of us is as individual as the tires we’re buying, there’s a payment plan that can satisfy most people. Don’t ever get discouraged while purchasing on Tire Agent because we offer payment plan options, and the good news: You can apply to more than just one if you get declined!

To shop for tires online today, click here: Tire Agent