Financing

Flexible Financing Options

Get the custom wire wheels and whitewall tires you want now, and pay over time with flexible, trusted financing providers.

Compare Your Financing Options

Option	Interest & Fees	Credit Check	Term Length	Best For	Considerations
Affirm	0%–36% APR, no late fees	Soft check	4 interest-free payments or 3–60 months	Flexible terms with no hidden fees	High APR if not 0%; not all qualify
PayPal Pay Later	0% interest on Pay in 4	Soft check	4 payments or 6–24 months	Fast approval, small-to-medium orders	Monthly Pay has high APR

How to Use Affirm

Step 1: Add your desired wire wheels, whitewall tires, or complete packages to your cart.

Step 2: Proceed to checkout and select Affirm as your payment option.

Step 3: Complete a short application with Affirm and choose your preferred payment plan.

Step 4: Once approved, your order is confirmed and financed instantly!

How to Use PayPal Pay Later

Step 1: Add products to your cart and proceed to checkout.

Step 2: Choose PayPal as your payment method.

Step 3: In the secure PayPal window, select either Pay in 4 or Monthly Payments.

Step 4: Complete the process and return to USA Wheels Hub to confirm your order.

Additional Financing FAQs

Can I finance custom tires and wire wheels together? Yes! You can finance your complete setup — including custom whitewall tires, wire wheels, adapters, and accessories — in one simple monthly plan through either of our financing providers.

Can I pay off my financing early? Yes. Both Affirm and PayPal let you pay off your balance early with absolutely no penalty fees.

What happens if I’m not approved for financing? If you’re not approved, you’ll still have the option to complete your order using any other payment method — including credit/debit cards, standard PayPal, or a secure wire transfer. We are here to help you complete your purchase.

Is financing available in all U.S. states? Financing is available in most U.S. states. Some restrictions may apply based on your local state laws. The quick application process will notify you if a provider isn’t currently supported in your location.

Is my financing information secure? Yes, completely. All applications are processed securely directly by Affirm or PayPal. USA Wheels Hub never sees or stores your personal financial data. All connections are fully encrypted and secure.

Do I still qualify if I have bad credit or no credit history? Yes! Both Affirm and PayPal use a soft credit check for the application, which will not impact your credit score at all. Approval is based on various flexible factors beyond just a traditional credit score.

When will I be billed?

Affirm: Your first payment may be due at checkout or after shipping, depending on your selected payment plan.

PayPal: For Pay in 4, your first payment is charged at checkout, followed by 3 remaining payments spaced every two weeks.

Need Help Choosing the Right Plan?

📱 Text Us or ☎ Call Now to get set up! Our team is here to help you find the perfect fit and get your ride styled exactly how you want it.