Good credit, fair credit, or still building it, we work with 5 financing companies so more drivers get approved for the wheels they want. Apply in minutes, and your wheels ship free to the lower 48.
Pay Over Time
Monthly payment plans based on your credit.
Apply at checkout
Affirm (Shop Pay Installments)
Split your purchase into easy payments. Check your eligibility in seconds without affecting your credit score.
Best for: Customers with good to fair credit
How to apply: Add your wheels to the cart, choose Shop Pay at checkout, then select Pay in installments.
Credit financing
Synchrony
Promotional financing and monthly payment options through Synchrony.
Best for: Customers with established credit
How to apply: Call or text us and we'll send you a secure application link.
Lease-to-Own
Options for limited credit or credit that needs some work. Lease-to-own is not a loan. See the disclosures below.
Lease-to-own
Snap Finance
Flexible lease-to-own option with a quick online application and fast decisions.
Best for: Limited or poor credit history
How to apply: Call or text us and we'll send you your Snap application link.
Lease-to-own
Kafene
Lease-to-own with simple payments and an early purchase option.
Best for: Limited or poor credit history
How to apply: Call or text us and we'll send you your Kafene application link.
Lease-to-own and installment
American First Finance
Lease-to-own and installment options with fast approvals.
Best for: Customers who need a second-look option
How to apply: Call or text us and we'll send you your American First application link.
How It Works
- Pick your wheels. Not sure what fits? Text us your year, make, and model.
- Apply. Check out with Shop Pay Installments, or text us for a link to any of our other lenders.
- Get approved and roll. Once you're approved, we place your order and it ships free to the lower 48.
Questions? Call or text us.
Pacific Tire & Wheel, Visalia, CA. Local customers can apply in-store too.
Disclosures: All financing and lease-to-own options are subject to approval by the provider. Not all applicants will be approved. Terms, rates, and payment amounts vary by provider and applicant. Lease-to-own is a rental-purchase agreement, not a loan or credit; the total cost to own may be higher than the cash price. Payment options through Affirm are provided by Affirm and its lending partners. Pacific Tire & Wheel is not a lender and does not make credit decisions.