Isn’t it most frustrating when your car needs major repair, and you just don’t have the finances for it? Perhaps your dream to restore a vintage is on hold because the parts cost more than your budget allows?
If either situation rings true for you, then you’ll be pleased to know that there is indeed a buy now pay later option for aftermarket car parts.
Whether you’ve got a bad tire, need to replace your wheels and rims, front brake wheel system, gaskets, nuts, and lugs—get everything you need to repair your car, truck or jeep with buy now pay later options!
Can You Use Buy Now Pay Later Apps to Purchase Car Parts?
Yes, you can use buy now pay later apps to purchase car parts and tires.
All you need to do is search for the automotive parts you require by vehicle, make, model year, brand, part number, and product type. Once you’ve found what you need, you can buy the parts, fix your car right away, and pay later.
Intrigued and ready to learn more? Don’t miss out on our top recommendations for BPNL providers.
Buy Now Pay Later Services for Car and Tires
Klarna Cart Parts
- Sixity Auto
- GT Tools
- G-Wagen Accessories
- KBD Body Kits
- Drag Racing Wheels
Klarna offers buy now pay later financing options for several automotive brands, vehicle parts, and makes such as:
Klarna allows you to split your purchase amount into four installments that are free of interest. Their approval process is instant and only requires a soft check that does not affect your credit score.
You can pay the installments once every two weeks automatically through your connected card.
Zip Pay Car Parts and Tires
- 4 Wheel Parts
- 4 Wheel Drive
Zip is the new name of the BNPL provider, Quadpay.
Their most notable feature?
Their four-installment plans that you can pay over six weeks.
Zip’s list of automotive retailers includes:
Zip does not run a hard credit check on your account, so it does not appear as an inquiry on your report. Yet, their approval process is instant.
Besides the four installments for the total purchase amount, Zip also requires users to pay an interest fee. The interest fee is $4 and is divided equally with every installment.
Affirm Car Parts and Tires
- Audi Service & Parts
- Asbury Automotive Service
- The Tire Rack
- Tire Agent
Affirm is another pay later provider through which you can finance your automotive parts. Their services can be accessed in-store and online. Here are some auto stores you can use Affirm at:
You can either select the Affirm option at checkout or sign up for a virtual card through their app.
They conduct a soft eligibility check that does not affect your credit score. Affirm doesn’t have hidden fees, nor do they charge interest if you clear your payments in under five months.
Yes, you have multiple pay back options, ranging from 3, 6, or 12 monthly installments. These installments will attract an APR between 10-30%, depending on your credit score.
The second option is to divide the purchase into 4 installments and pay them every two weeks.
Affirm may not do a hard credit check, but it does report other details of your account to credit bureaus. If you’re not prompt, then this may affect your credit score.
Acima Credit Car Parts
- We Got Tires
- Sonic Electronix
- King Cobra Hobby
- SK Customs
- Wheel Technologies Inc.
Acima is a lease-to-own payment option that offers pay later financing for automotive parts retailers such as,
Acima offers leasing options for online and offline purchases with a spending limit between $300-$4000. The best feature about Acima is that they provide leasing solutions to zero and poor credit holders as well. Their approval process is based on income, employment, and other personal data.
Once approved for their leasing plan, you don’t need to make a purchase right away. Acima holds your approval status for 45 days, after which the offer expires, and you have to reapply.
This provider does pull consumer reports of users, and they do report all your lease payment activities to the credit bureaus, though.
FlexShopper Car Parts
- FactorTrust, Inc. and or Clarity Services, Inc.
- One of the major nationwide credit reporting agencies
FlexShopper is another lease-to-own provider on the list. Their store catalog includes only one automotive parts retailer—Tire Agent.
With FlexShopper, you purchase durable wheels and tires on lease from Tire Agent and pay for them over 52 weeks. The payments are weekly, and no down payment is required.
However, FlexShopper does hard credit checks and pulls credit reports from:
6. PayPal Credit Car Parts
- Tire Buyer
- Discount Tire
- Safelite Auto Glass
- Tire Rack.com
- Auto Zone
- Auto Anything
PayPal Credit is a revolving credit card account from PayPal that allows you pay later financing options.
Their list of automotive partner stores includes:
You can get started by applying for a credit account and providing personal details as requested. The approval process is instant and your PayPal account gets linked to your credit account.
Your credit line is determined after considering your credit report and more information.
PayPal Credit offers perks like zero interest if the user pays off their total purchase amount within six months.
However, the best thing about using PayPal Credit is you can make purchases from any store (online or offline) that accepts PayPal.
Major Auto Repair Chains/National Auto Garages That Offer Buy Now Pay Later
If you’re not sure where to begin your search for buy now pay later options for car parts, here’s a list to get you started:
- Global Auto Mall
- NAPA Auto Parts
- Discount Tire
- AAMCO Transmissions
- Precision Tune Auto Care
- Meineke Car Care Centers
- Tuffy Tire & Auto Service
With so many financing options, it can get difficult to decide which BPNL provider to go with. To ease the decision-making process, simply shortlist the provider with the most attractive pay later offer and the installment frequency you can afford.