PayTomorrow Financing for Wheels & Tires
Finance your wheels and tires with PayTomorrow
We offer financing through our partner PayTomorrow, so you can get your setup today and pay over time. One application, with programs for many credit profiles. PayTomorrow says checking your options won't affect your credit score. Subject to approval.
Financing through PayTomorrow is subject to approval. Not all applicants are approved. A non-refundable application fee may apply.
Why PayTomorrow
Why PayTomorrow
PayTomorrow says checking won't hurt your score
PayTomorrow says checking your purchasing power and applying won't affect your credit score. Your payment history, including late payments, can.
Options for many credit profiles
Three programs, from Prime installment loans to a lease-to-own option for shoppers with low or no credit.
Fast decision
Answer a few simple questions and get a decision, usually in 60 seconds or less.
No prepayment penalties
Paying off early within a promotional period, or within the first 90 days with an early buyout, can lower your total cost. Your agreement shows the buyout price.
At checkout
Choose PayTomorrow when you pay
Select "PayTomorrow - Fair Financing For All Credit Types" as your payment method, answer a few questions and get a decision, usually in 60 seconds or less. Subject to approval; not all applicants are approved.
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Build your setup
Add wheels, tires or a wheel and tire package to your cart.
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Choose PayTomorrow at checkout
Select "PayTomorrow - Fair Financing For All Credit Types" as your payment method.
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Get matched
Answer a few questions. PayTomorrow evaluates your credit profile and, if you're approved, shows the offer you qualify for.
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Sign and we ship
Sign your agreement with PayTomorrow or its partner. Once your financing is confirmed, we process and ship your order.
Programs
One easy application for many credit profiles
Excellent to great credit
Prime
A retail installment loan. Rates from 0%–16% APR, approvals up to $20,000 for qualified buyers, and 0% APR promotions for qualified buyers.
Good to average credit
Near Prime
PayTomorrow buys the item and leases it to you, then the financing becomes a loan during your contract, so you sign both a lease and a loan contract. Your total cost can be more than the cash price. Approvals up to $6,500 for qualified buyers, with a 90-day early buyout option.
Low credit scores to no credit history
No Credit Needed
Lease-to-own, not a loan. No credit needed doesn't mean everyone is approved; applications are still reviewed. You own the item after all lease payments or an early buyout, and owning through a lease costs more than the cash price. Approvals up to $5,000 for qualified buyers, a 90-day early buyout option, and no banking info required to apply (payments can be drafted from a debit card).
Questions about PayTomorrow?
PayTomorrow customer service: 866-418-5857 · customerservice@paytomorrow.com · Already financing? See your balance or payoff at portal.paytomorrow.com
Built for your setup
Wheels, tires and full packages
Check fitment first
Make sure your setup fits before you check out. See wheels and tires on your vehicle in our visualizer, or find wheels by year, make and model, including leveled and lifted setups.
Wheels and tires in one checkout
Put wheels, tires or a full package in one checkout and choose PayTomorrow. PayTomorrow decides whether you're approved and for how much. If your order is more than your approval, see the FAQ below.
Questions about your build?
Lifted truck, staggered fitment or a full custom setup? Call or text us at 205-644-1082 and we'll help you choose wheels and tires that fit before you check out.
Questions
PayTomorrow FAQ
Will applying hurt my credit?
According to PayTomorrow, checking your purchasing power and completing an application won't affect your credit score. Your payment history with PayTomorrow and its partners may affect it later.
Which program will I get?
If you're approved, PayTomorrow matches you to a program based on your credit profile. Your agreement shows whether it is a loan, a lease-to-loan or a lease-to-own, along with its terms.
Who do I make payments to?
You pay PayTomorrow or the lending or leasing partner named in your agreement, not Wheels Below Retail. Payments are drafted automatically from the checking account or debit card you provide.
What if my order is more than my approval?
In some cases PayTomorrow may let you prepay the difference between your order and your approved amount. That's PayTomorrow's decision.
How do I cancel?
Cancellation is only possible within our return policy. Cancel your order with us first. Once we approve it, we notify PayTomorrow, and your financing stays active until they receive that notice. Application fees are not refundable.
Other ways to pay
Prefer a different partner?
Questions about paying over time?
Call or text us and we'll help with your order. Each provider makes its own approval decision.
Important information
Financing through PayTomorrow is subject to approval. Not all applicants are approved. Rates, terms and amounts depend on your credit profile and the program you qualify for, and program availability may vary by state. Prime is a retail installment loan. Near Prime starts as a lease and becomes a loan during your contract. No Credit Needed is a lease-to-own program: you don't own the item until the lease is paid or bought out, and owning through a lease costs more than the cash price. A non-refundable application or documentation fee may apply. PayTomorrow NMLS ID #2037230.
PayTomorrow customer service: 866-418-5857 · customerservice@paytomorrow.com · Already financing? See your balance or payoff at portal.paytomorrow.com
All financing and lease-to-own options are provided by third parties and are subject to their approval. Wheels Below Retail is not a lender or lessor and does not make approval decisions. Approval amounts, rates, terms and fees vary by provider, your purchase and your application. Prequalification does not guarantee final approval. Lease-to-own is not a loan: you do not own the merchandise until all lease payments are made or you use an early purchase option, and owning through a lease costs more than the cash price. Lease-to-own options are not available in every state; see each partner's page for details.