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Four new tires can run $400-$1,500 depending on vehicle and tire tier. When you cannot pay cash and bad credit closes traditional doors, here are the real options.
Explore an option
If you are reading this, you likely want a clear next step. Here is one worth knowing about.
Top bad-credit tire financing options
1. Discount Tire / America Tire — Discount Tire Credit Card
Easier approval than most credit cards. 6-12 month 0% APR promotional periods on tire purchases.
2. Snap Finance at independent tire shops
Available at thousands of independent tire shops nationwide. No hard pull.
3. Goodyear Credit Card
Goodyear Auto Service center stores. 6-month 0% APR on $250+.
4. Affirm at TireRack and Walmart
For online tire purchases. Soft credit pull.
5. Pep Boys Synchrony Card
Easier approval. Pep Boys nationwide.
Realistic tire pricing
| Vehicle Type | 4-Tire Cost |
|---|---|
| Compact car (Honda Civic, Toyota Corolla) | $400-$700 |
| Mid-size sedan | $500-$900 |
| SUV (RAV4, CR-V) | $600-$1,200 |
| Truck (F-150, Silverado) | $800-$1,500 |
| Performance car | $1,200+ |
Skip the dealership tire shop
Dealership tire prices are typically 30-50% higher than tire-specific retailers. Discount Tire, Tire Rack, and even Walmart Auto Care typically beat dealer pricing significantly.
Verdict
For most bad-credit tire buyers, Discount Tire Credit Card with promotional 0% APR is the cheapest pathway. For independent tire shops, Snap Finance with early payoff. Avoid dealership tire shops if possible.
Reminder: Approval and terms vary by lender. Verify rates and fees before applying.
One more worth bookmarking
Whatever you choose above, this is a useful, no-cost companion tool for anyone working on their credit.