June 29, 2026
Nobody wants to get to checkout and run into a surprise. At Only Tires, you can pay however works best for you, whether that’s paying in full or spreading the cost out over time. Here’s everything that’s available.
Credit Card, Debit Card, and PayPal
The straightforward options. You can pay with any major credit or debit card, or use PayPal if you prefer. You don’t even need a PayPal account. PayPal lets you check out with a credit card through their platform, just like anywhere else. Google Pay is also available if that’s your thing.
Affirm: Pay Over Time
If you want to split the cost into monthly payments, Affirm is a solid option. Rates start as low as 0% APR for qualified buyers and go up to 36% APR depending on your credit. No hidden fees, no late fees, and you see the full terms before you agree to anything.
The application takes seconds, and you get a decision instantly at checkout. Affirm may do a soft credit check, which won’t affect your score. You can also pay off your balance early with no penalties if you want to.
Katapult: Lease-to-Own Starting at $1 Down
Katapult is a lease-to-own option that works well for people who don’t qualify for traditional financing. It doesn’t use a traditional credit check, so approval rates are higher, and the whole thing moves fast. You can get started with as little as $1 down and pick a payment schedule that works for you.
Early purchase options are available if you want to pay off your balance sooner. Katapult is a good fit if Affirm isn’t the right match for your situation.
PayPal Pay Later
If you’re already a PayPal user, PayPal Pay Later lets you split your purchase into monthly payments without any late fees. Approval is quick, and the experience runs through the PayPal checkout you already know. It’s a simple option if you’d rather not set up a new account with a separate financing provider.
How to Apply at Checkout
All of these options are built right into checkout. Once your tires are in your cart, just pick the payment method that works for you. Affirm and Katapult each take about a minute to apply for, and you get a decision on the spot. You’ll see your payment plan and total before you confirm, so nothing catches you off guard later.
We’re Here If You Need Us
If you’re not sure which payment option makes the most sense for your situation, our team is happy to help. Reach out before you order, and we’ll walk you through it.
