Flexible Financing Options
Get the wheels and 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 or 3–60 months | Flexible terms with no hidden fees | High APR if not 0%; not all qualify |
| Snap | No interest if paid in 90 days | No credit check | 12–24 months lease-to-own | No credit users & lease options | Expensive if full lease used |
| 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 the desired products 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 Snap
- 🛒 Step 1: Add products to your cart and proceed to checkout.
- 📝 Step 2: Enter your basic information and select Snap/Acima as your payment method.
- ✅ Step 3: Place your order and follow the Snap instructions to complete your lease-to-own agreement.
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 PayPal window, select either Pay in 4 or Monthly Payments.
- ✅ Step 4: Complete the process and return to Ninja Tire to confirm your order.
Need Help Choosing?
Call us at 1 (888) 884-4399 or email support@ninjatire.com
Additional Financing FAQs
📦 Can I finance tires and wheels together?
Yes! You can finance your complete setup — including tires, wheels, and accessories — in one simple monthly plan through any of our financing providers.
🔁 Can I pay off my financing early?
Yes. Affirm and PayPal let you pay early with no fees. Acima also offers an early buyout program — paying off within 90 days can help you save significantly.
📈 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 another method — including credit/debit card, PayPal, or wire transfer. We’re 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 state laws. The application process will notify you if financing isn’t currently supported in your location.
🔐 Is my financing information secure?
Yes. All applications are processed securely by Affirm, Acima, or PayPal. We never see or store your personal financial data. All connections are encrypted and secure.
🛠️ Do I still qualify if I have bad or no credit?
Yes! Acima does not require a credit check. Affirm and PayPal use a soft credit check, which will not impact your score. Approval is based on various factors.
📬 When will I be billed?
- Affirm: First payment may be due at checkout or after shipping, depending on your plan.
- Acima: Lease agreement starts when your order ships. Payments are usually monthly or biweekly.
- PayPal: For Pay in 4, your first payment is charged at checkout, then 3 more every two weeks.