Tire and automotive financing
Tires are a safety purchase disguised as a cost. Financing exists because the decision rarely waits for payday.
The short version
A set of four tires runs roughly $400 to $1,200 for most vehicles and considerably more for trucks and SUVs. Programs start at $200, decide instantly in most cases, and include a no-credit-needed option that reads income and banking history rather than a credit score. Mounting, balancing, alignment and road hazard cover can generally be financed alongside the tires.
Realistic expectations
What a set typically costs
Prices vary by brand and size; these are working ranges for a set of four fitted.
| Vehicle | Set of four, fitted | Usually financed as |
|---|---|---|
| Compact car | $400–$700 | No credit needed |
| Sedan or small SUV | $600–$1,000 | No credit needed |
| Full-size SUV or truck | $900–$1,800 | No credit needed, or lease |
| Light truck, off-road | $1,200–$2,500 | Lease |
| Tires plus wheels | $1,500–$4,000 | Lease |
| Commercial fleet | Varies | Business equipment finance |
Ranges reflect published program terms. Approval, approval amount and terms are determined by the provider after underwriting and are not guaranteed.
What is covered
Tires and the work around them
Tires and wheels
All brands and sizes, new, for cars, trucks, SUVs, trailers and some powersports.
Fitting and service
Mounting, balancing, valve stems, disposal, alignment and road hazard protection.
Related repairs
Brakes, suspension and other service work at participating shops — ask the shop what their program covers.
Do it properly
Four things worth knowing before you buy
Replace in pairs at minimum
Mixing tread depths across an axle affects handling. If the budget only reaches two, put the new pair on the rear regardless of which wheels drive.
Check the date code
New tires can sit in a warehouse for years. The last four digits of the DOT code give the week and year of manufacture.
Include the alignment
New tires on a misaligned car wear out early. It is a small addition to the financed amount and it protects the larger purchase.
Use the early buyout
On a lease, settling inside the same-as-cash window on an $800 set typically saves several hundred dollars.
Business use
Fleet and commercial tires
If the vehicle is a business asset, tires and service usually belong on a commercial equipment program rather than a consumer lease. Programs start at $500, credit profiles from roughly 500 FICO are considered, and the pricing is generally better than the consumer route.
Fleet purchases across several vehicles can be financed together. See business financing or the equipment calculator.
Do not defer tires
Of everything on this site, tires are the one purchase where delaying has a safety cost rather than only a financial one. If a shop tells you the tread is at the wear bars, that is a now problem.
Questions
Common questions
Can I finance tires with no credit?
Yes. The no-credit-needed program starts at $200 and decides on income and banking history rather than a credit score, with an instant decision in most cases.
How much can I finance for tires?
From $200 upward. Most consumer tire purchases sit between $400 and $2,000, well inside every program in the network.
Can I include mounting and alignment?
Usually yes. Mounting, balancing, disposal, alignment and road hazard cover can generally be financed alongside the tires.
Does it cover brakes and other repairs?
At many shops, yes. What is covered depends on the merchant’s program, so ask the shop before the work starts.
Can a business finance fleet tires?
Yes, usually on a commercial equipment program from $500 rather than a consumer lease, which generally prices better.
Keep reading
Related pages
See what you qualify for
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