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A new set of tires runs $400-$1,200 for an average vehicle. Discount Tire offers multiple financing paths including the Discount Tire credit card (Synchrony), Affirm BNPL, and Acima lease-to-own. Here are the options for 2026.
Quick Verdict
Best for: Bad-credit drivers needing new tires today
Skip if: Drivers who can pay cash or use a low-APR general credit card
Discount Tire financing options
| Option | Credit Required | Best For |
| Discount Tire Card (Synchrony) | Fair to good | Promo deferred-interest financing |
| Affirm | Soft pull | BNPL installments |
| Acima | None (income-based) | Bad credit, lease-to-own |
| Synchrony Car Care | Fair to good | 6 mo promo on $199+ |
Discount Tire credit card (Synchrony)
6 or 12 month deferred-interest financing on qualifying purchases. APR around 29 percent if not paid off in time. Hard credit pull. Best for fair-to-good credit (650+).
Affirm at Discount Tire
Pay over 3, 6, or 12 months. APR 0-36 percent. Soft pull initially. Available at most Discount Tire locations and online.
Acima for bad credit
No credit check, income-based approval. 12-month lease term. 90-day same-as-cash buyout. Best path for bad-credit shoppers who do not qualify for traditional financing.
Cost example
A $800 tire set: Synchrony 6-mo deferred paid off = $800. Affirm 12-mo at 18 percent = $880. Acima 12-mo full lease = $1,280-$1,440. Acima 90-day buyout = $800. The pattern: Pay-off windows save money; full leases cost 60-80 percent more.
Tips for tire shopping with bad credit
Shop during promotional events (Memorial Day, Black Friday). Consider lower-tier tire brands (saves 30-50 percent). Buy 2 tires now, 2 later instead of all 4 at once. Negotiate bundled service packages.
Compliance note: Approval and rates depend on the lender and your credit profile. Subject to credit review. No guarantee of approval is implied.
FAQ
Can I finance tires with no credit check?
Yes via Acima at participating retailers. Income-based approval.
What is the cheapest way to finance tires?
Synchrony deferred-interest paid off within the promo, or Affirm 0 percent if you qualify.