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  #1  
Old 01-09-2014, 05:18 PM
golfer9619 golfer9619 is offline
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Question Financing Tires

This is more of an economic question than a tire question, but I was wondering if some of the older members or more experienced members could help me out. I'm 17 years old and have a part time job making about 500$ a month. I pay my own insurance and other bills. It's coming to a point where I'm realizing I'm going to need new tires soon. Basically, I'm asking what is the best way and place to finance tires? There is no way I can pay 800$+ upfront. Would I need to wait till I turn 18 to finance? Any help here would be appreciated and I apologize if this is the wrong section to post this in.
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He's doing it wrong...somebody taught him how to Chevy lol
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Old 01-09-2014, 05:19 PM
djfllmn djfllmn is offline
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Just save up..don't finance tires
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  #3  
Old 01-09-2014, 05:29 PM
Fordzilla80 Fordzilla80 is offline
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Default Re: Financing Tires

You need to save up no matter what. Financing tires is a terrible idea.
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  #4  
Old 01-09-2014, 05:31 PM
mattp96 mattp96 is offline
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Quote:
Originally Posted by djfllmn View Post
Just save up..don't finance tires
I agree, I'm 17 and I'd recommend saving up and paying up front. It'd be the cheaper way in the long run because you won't have to pay interest on the financing.
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  #5  
Old 01-09-2014, 05:32 PM
Tom Tom is offline
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Default Re: Financing Tires

Look for (slightly) used tires. Craigslist is a great resource. Could probably buy a set of one year old tires for like half that.
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  #6  
Old 01-09-2014, 05:33 PM
02BLUEdge 02BLUEdge is offline
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Default Re: Financing Tires

Seeing as you are under the age of 18 you are unable to sign a legally binding contract, such as one involved with a credit card or bank loan. Besides, with the added interest you will end up paying even more than they are worth. With zero credit your interest rate will likely be north of 25%.

Save your money and search for a used set on craigslist if you can't afford new. If you really need tires, you could always ask your parents for help as well.

EDIT: Those guys beat me to it.
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  #7  
Old 01-09-2014, 05:34 PM
Fordzilla80 Fordzilla80 is offline
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Default Re: Financing Tires

When I first bought my Ranger, it had 42,000 miles and the original tires. I couldn't afford $600 worth of tires. But I could afford $150 every two weeks for a tire. And that's what I did. Every two weeks I replaced one tire, starting with the worst tire, and ending with the better one. In two months I had all brand new tires.

It's not the best way to do it, but it worked.
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  #8  
Old 01-09-2014, 05:42 PM
RangerSport4x2 RangerSport4x2 is offline
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Tire Kingdom or anyone in the Service Central group does 0% interest 1 year financing for purchases of 700+ if you pay it before the end of that year, if your late they add stupid high interest in. But I doubt without any history anyone would approve you for a $1000 loan for tires.

Anyways, above is what I did but just to build credit, they approved me, I got the card, bought my tires, and paid the whole sum off at once the first month. Score went up a lot. But you could give it a shot.

----------

Didn't even pay attention to the fact that he was under 18, you can't finance anything.
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Old 01-09-2014, 05:45 PM
golfer9619 golfer9619 is offline
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Thanks guys. And I like the idea of buying one tire at a time. It'll be easier for me to do that... It'll take a few months, but I think I can afford it that way.
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Originally Posted by ford4thot View Post
He's doing it wrong...somebody taught him how to Chevy lol
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  #10  
Old 01-09-2014, 05:49 PM
OhioMike OhioMike is offline
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Default Re: Financing Tires

Quote:
Originally Posted by Fordzilla80 View Post
When I first bought my Ranger, it had 42,000 miles and the original tires. I couldn't afford $600 worth of tires. But I could afford $150 every two weeks for a tire. And that's what I did. Every two weeks I replaced one tire, starting with the worst tire, and ending with the better one. In two months I had all brand new tires.

It's not the best way to do it, but it worked.
Actually, that isn't a bad idea. Thankfully, he has 2WD, so it is not likely to hurt his vehicle any. What he could also do is rotate the spare assuming he has the correct one. My 02' leased Ranger had a slightly different sized spare, and I needed to use it because the front left tire was deemed 'unsafe to repair and use' though Firestone patched it and made the new spare. I actually drove over 1 1/2 with 3 OEM tires + 1 slightly different sized spare.

----------

Quote:
Originally Posted by golfer9619 View Post
Thanks guys. And I like the idea of buying one tire at a time. It'll be easier for me to do that... It'll take a few months, but I think I can afford it that way.
Yes, and what sized tires are you interested in? Stock size is 225 70 15, and I bought 4 new last year at $115/tire + balance + mount + tax for a grand total of almost $555.
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  #11  
Old 01-09-2014, 05:55 PM
golfer9619 golfer9619 is offline
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Lol. What I want is 31x10.5 or 31x12.5's but that's more than likely different than what I'll get.
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Quote:
Originally Posted by ford4thot View Post
He's doing it wrong...somebody taught him how to Chevy lol
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  #12  
Old 01-09-2014, 06:03 PM
Fordzilla80 Fordzilla80 is offline
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Default Re: Financing Tires

I just went with the stock 235/75/15's when I bought my first set. I spent around $150 a tire though because I went with the OE Goodyear Wrangler RT/S. I figured since the originals went 42K, my new set would too. Man was I wrong. I only got about 25,000 out of the second set.
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  #13  
Old 01-09-2014, 07:26 PM
golfer9619 golfer9619 is offline
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I do like the tread pattern on the Goodyear wranglers. It's a decent tire. I just have to look around. My problem will be not blowing the money I attempt to save.
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2003 ram 1500 4x4. Laramie package. Quadcab. 5.7l Hemi. Leather interior. Infinity sound system.
*sold* 2002 Ford Ranger Edge. Reg Cab. 3.0 V6. Vinyl floors. Custom radio. 2wd. Fog light mod, air box mod, Toolbox, and blinker mod.
Quote:
Originally Posted by ford4thot View Post
He's doing it wrong...somebody taught him how to Chevy lol
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  #14  
Old 01-09-2014, 07:27 PM
casey.mikl casey.mikl is offline
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Or you could buy tires one at a time. So you will have a full new set but won't have to buy them all at once. I've done that before and it does help.
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  #15  
Old 01-09-2014, 07:30 PM
Fordzilla80 Fordzilla80 is offline
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Default Re: Financing Tires

Quote:
Originally Posted by casey.mikl View Post
Or you could buy tires one at a time. So you will have a full new set but won't have to buy them all at once. I've done that before and it does help.
Read back, I already beat you to that point.
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