Financing for tire shops
Nobody budgets for tires. The customer in your bay did not plan this purchase and frequently cannot cover it today.
In short
Tire and service purchases are unplanned, urgent and frequently declined on price rather than need. Programs start at $200 with instant decisions, including a no-credit-needed option that reads income rather than a credit score — which matters in a category where a large share of customers have thin or damaged files.
Your counter
What financing does in a service bay
The alternative to a financed set is usually two tires instead of four, or nothing.
| Situation | Without terms | With terms |
|---|---|---|
| Set of four, $700 | Customer buys two | Full set, properly matched |
| Tires plus alignment, $900 | Alignment declined | Alignment included, tires last longer |
| Truck set, $1,500 | Deferred, unsafe | Closes today |
| Tires and brakes, $2,000 | Split across two visits | One visit, one ticket |
| Fleet, multiple vehicles | Paid down slowly | Commercial equipment finance |
Why tire retail
Three things specific to this counter
Speed is everything
The customer is waiting in your lobby. Instant decisions are not a nice-to-have in this category; a decision that takes a day is a lost sale.
Attach the service work
Alignment, balancing, road hazard and brake work can sit on the same agreement. The attach rate is where the margin lives.
Fleet customers are a different program
Commercial vehicles belong on equipment finance from $500, which prices better than a consumer lease and handles multiple vehicles together.
Joining
How onboarding runs
Gather documents
Business and ownership details, banking information, and photographs of your store front and interior.
Submit the enquiry
Expect an email within 12 to 24 hours to schedule a discovery call with the onboarding team.
Discovery call
We work out which programs suit your category, your ticket sizes and your customers’ credit mix.
Agreement and go live
A merchant agreement follows for review and signature, then your link, QR code and staff training.
Questions
Merchant questions
How fast is the decision?
Instant in most cases, which is what this category requires.
Can service work be financed with the tires?
Yes. Mounting, balancing, alignment, road hazard cover and related repairs can go on the same agreement.
What about customers with no credit?
A no-credit-needed program starting at $200 decides on income and banking history rather than a score.
Can I finance fleet customers?
Yes, through commercial equipment finance from $500, which handles multiple vehicles on one facility.
Keep reading
Related
Offer financing at your counter
No mandatory merchant fees on standard programs, no sales minimums, and one application link covering every customer who walks in.