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TIRE FINANCING

Affirm Tire Financing

Replace your old tires with Affirm tire financing and manage the cost with scheduled payments.

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Affirm

How Affirm Tire Finance Works

Affirm offers a flexible way for customers to buy new tires now and pay later. Pick between interest-free short-term payments or longer-term loans. The choice depends on creditworthiness and eligibility.

Step
1

Find the right tires

Enter the vehicle's year, make, and model or choose directly by size.

Step
2

Select delivery option

Enjoy fast, free shipping right to your doorstep. Or choose to send tires to a certified local or mobile installer.

Step
3

Choose Affirm at checkout

At the checkout section, select Affirm from the "Buy Now, Pay Later" financing options.

Step
4

Get approval and pay over time

Get a credit decision in seconds, and it won't impact your credit score. Once the payment is approved, complete the purchase.

Affirm Benefits

Flexible Payment Plans

Choose from three payment options that best suit your needs.

Shop Almost Anywhere

Use Affirm at millions of stores, in-app, in wallet, on the card, or with the browser extension.

Pay Your Way

Get a payment plan tailored to your purchase, from a few weeks to several months.

Fixed Payments

Monthly plans stay fixed, making it easy to track payments without any surprises.

Know Your Cost Upfront

Check the interest rate before buying; it will be shown before committing.

Rates From 0%-36% APR

Affirm provides a clear rate, which depends on credit eligibility. 4 interest-free payments always have a 0% APR.

No Credit Score Impact

Checking purchasing power won't affect your credit score.

No Surprise Fees

No hidden fees, card fees, or account minimums.

Affirm Payment Calculator

$

$0

$10,000

Repayment Period

Monthly installment

$175.00

Estimate only. The calculator is informative and not binding.

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Affirm Payment Options

Pay in 4 interest-free:

The easiest choice for smaller purchases. Split the payment into 4 interest-free installments with 0% APR.

Monthly payment plans (3, 6, 12 months, and longer)

This option gives more time to pay in monthly installments. The payments stay consistent, and you can see any interest charges clearly upfront. Interest rates range from 0% to 36%, and a down payment may be required depending on the purchase.

Pay in full

With Affirm Card, pay in full instantly when you swipe or tap for daily purchases.

Frequently Asked Questions

Does Affirm do a (hard) credit check?

No, Affirm uses a soft credit check for most loans, which doesn't affect your score. The exception is certain 0% APR promotional financing, which can trigger a hard inquiry and cause a small, temporary dip in your score.

Does Affirm report to credit bureaus?

Yes, Affirm reports many of its loans, including Pay in 4, to Experian and TransUnion. On-time payments can be reported and may help your credit file, while missed payments can also be reported and hurt your score. When applying and checking eligibility, only a soft check is involved.

Does Affirm charge interest?

Yes, Affirm charges interest, but it depends on the specific payment plan. Pay in 4 is interest-free, which means it charges no interest at all. Monthly financing charges interest ranging from 0% to 36% APR, depending on credit profile and merchant.

What happens if you miss an Affirm payment?

When you miss an Affirm payment, it will not trigger a late fee, but Affirm will attempt to charge your payment method again in the following days, and interest will continue to accrue on interest-bearing loans. Your account will be flagged, and future purchases will be reduced. Affirm may also report the delinquency to credit bureaus.

Can you pay off Affirm early and avoid interest?

Yes, you can pay off an Affirm loan early or make additional payments anytime to avoid paying unearned interest. Affirm does not charge any penalties or extra fees. When you pay off a loan early, you only pay interest for the time you actually borrowed the money.

Can you pay off Affirm with a credit card?

Yes, you can use certain credit cards to pay Affirm. However, major issuers like Capital One, Chase, Discover, and Citi often block credit card transactions for Buy Now, Pay Later options. Some smaller banks, credit unions, or specific credit cards may still allow payments for down payments or installments.

What happens if you don't pay Affirm?

If you don't pay Affirm, no late fees are charged, but Affirm will continue attempting to collect the payment, and interest will continue accruing on interest-bearing loans. Your account will be flagged, and future purchasing power approvals with Affirm will drop. After 30 days, Affirm can report the delinquency to Experian and TransUnion.

Why won't Affirm approve me?

Affirm will decline your application if you have limited credit history, existing Affirm balances, a high debt-to-income ratio, recent missed payments, numerous recent credit inquiries, mismatched personal details, or a risky purchase amount. Affirm always provides a denial reason as required by law.