Buy Now, Pay Over Time

Get Your Wheels Now. Pay Over Time.

Split your wheels, tires, and packages into easy, interest-free payments with Shop Pay, Klarna, or Afterpay. Pick your plan right at checkout — quick decision, no impact to your credit to check.

Shop Wheels Shop Tires
Interest-free Pay-in-4 No impact to credit to check Decision in seconds
Available at checkout: Shop Pay Klarna Afterpay
How It Works

Financing in Three Simple Steps

No paperwork, no waiting. Pick your wheels and pay your way.

1

Add to Cart

Choose your wheels, tires, or a complete package and add them to your cart.

2

Pick Your Plan

At checkout, select Shop Pay, Klarna, or Afterpay and complete a quick eligibility check.

3

Roll Out

Split the cost into easy payments — your gear ships now while you pay over time.

Your Options

Three Ways to Pay Over Time

All three are built right into our checkout. Your available plans and amounts appear automatically based on your cart.

Shop Pay

Pay in 4, interest-free

Or monthly installments on larger orders.

  • 4 interest-free payments, automatically scheduled
  • Longer monthly plans available for bigger builds
  • Checking eligibility won't affect your credit score
  • Pay with the card you already use
Learn more
Klarna

Pay in 4 or in 30 days

Flexible options that fit your schedule.

  • 4 interest-free payments, every 2 weeks
  • Or pay nothing for up to 30 days
  • No impact to your credit score to check
  • Manage everything in the Klarna app
Learn more
Afterpay

Pay in 4, always interest-free

Simple, transparent, no surprises.

  • 4 interest-free payments, every 2 weeks
  • Pay 25% today, the rest over 6 weeks
  • No impact to your credit score to check
  • Instant approval decision at checkout
Learn more
Side by Side

Which Option Is Right for You?

Provider Pay in 4, interest-free Longer-term option Credit check to start Best for
Shop Pay Yes Monthly installments* No impact Bigger builds & existing Shop Pay users
Klarna Yes Pay in 30 days* No impact Maximum flexibility
Afterpay Yes Pay monthly* No impact Simple, always interest-free

*Longer-term and monthly options are subject to eligibility; some monthly plans may carry interest, always shown upfront at checkout.

Good to Know

Financing FAQ

Does choosing a payment plan affect my credit score?
Checking your eligibility for the interest-free "Pay in 4" plans from Shop Pay, Klarna, and Afterpay generally won't affect your credit score. Some longer-term monthly financing options may involve a credit check — you'll always see those details before you commit to anything.
Is there any interest or hidden fees?
The "Pay in 4" installment plans are interest-free when you pay on time. Longer-term monthly plans on larger orders may include interest, which is always shown upfront at checkout — never hidden. Late or missed payments may be subject to fees charged by the provider.
Can I finance a full wheel & tire package?
Yes. You can finance anything in your cart — a single wheel, a full set, or a complete wheel-and-tire package — up to each provider's purchase limits. Your available options and amounts appear automatically at checkout based on your cart total.
When do I choose my payment plan?
At checkout. Add your items to the cart, head to checkout, and select Shop Pay, Klarna, or Afterpay as your payment method. You'll pick your plan and see the exact payment schedule before placing your order.
Who provides the financing — is TFS Wheels the lender?
No. These payment options are provided by their respective companies — Shop Pay Installments (powered by Affirm), Klarna, and Afterpay. TFS Wheels is not the lender; approval and terms are determined by the provider.
Do I need to apply in advance?
No advance application needed. Just choose your provider at checkout and complete a quick eligibility check — most decisions are instant.

Ready to Roll?

Find your fit, build your cart, and choose your payment plan at checkout. Your dream setup is closer than you think.

Shop Wheels Shop Tires Shop Packages

Questions about fitment or financing? Call us at 877-290-2955

Payment options are provided by Shop Pay Installments (powered by Affirm), Klarna, and Afterpay, and are subject to eligibility and approval. "Pay in 4" plans are interest-free; longer-term monthly options may carry interest, disclosed at checkout. Available plans and amounts depend on your cart total and are shown at checkout. Late or missed payments may be subject to fees charged by the provider. TFS Wheels is not the lender or financing provider. See each provider's site for complete terms and conditions.