Financing

Buy tires now, pay later

Three ways to spread out a tire purchase. Shop Pay Installments and PayPal Pay Later can show up at checkout when you are eligible. Katapult is lease-to-own for limited or no credit history, and it is not live here yet. These options cover the tires, not installation.

Shop Pay

Shop Pay Installments

At checkout

  • Get your tires now. Eligible orders from $50 to $999.99 can be split into 4 interest-free payments, due every 2 weeks.
  • Spread a bigger order out. Eligible orders from $150 can use monthly plans of 3, 6, 12, 18, or 24 months, depending on the order amount, at rates from 0–36% APR.
  • See your options before you pay. At checkout you review the plans offered for your order and choose one, then review your purchase before the first payment.
  • No late fees. Shop says there are no late fees on Shop Pay Installments orders, and you can pay off your loan early without penalties.
  • Applying will not hit your credit. Shop says there is no impact to your credit when you apply, though loan and payment information might be shared with credit reporting agencies.

You only see this at checkout if you are eligible. Affirm is the lender, and a down payment may be required.

Learn more

PayPal

PayPal Pay Later

At checkout

  • Get your tires now. Split an eligible order into 4 payments with Pay in 4. PayPal lists purchases of $10 to $2,000, upon approval.
  • Know what Pay in 4 costs. PayPal says Pay in 4 is always interest-free, with no late fees or sign-up fees.
  • Need more time? PayPal Pay Monthly may also be offered, at a fixed rate that varies with your credit (PayPal lists 0–35.99% APR), with no late or sign-up fees.
  • Pay it off early. PayPal says you can pay off a Pay Monthly loan early without a fee or penalty.
  • Check without a score hit. PayPal says applying for Pay in 4 may use a soft credit check, which will not affect your credit score.

Shown only when PayPal offers it for that order. Pay in 4 is not available to residents of MO; Pay Monthly is not available to residents of AK, CT, HI, or WA, per PayPal.

Learn more

Katapult

Katapult

Lease-to-own

  • No credit history needed. Katapult says you do not need an established credit history to apply. Approval is not guaranteed.
  • No hard credit check. Katapult says it does not run a traditional hard inquiry with the major credit bureaus, so applying does not affect your FICO score.
  • A lease, not a loan. Katapult says there is no interest or APR, and that you see each payment and the maximum total cost before you agree. Owning through a lease costs more than the cash price.
  • Buy it out early. Katapult says you can become the owner before the lease ends with no early-payment penalty. Buying in the first 90 days generally saves the most.
  • No late fees. Katapult says it does not charge late or insufficient-funds fees.

Not offered at Neumati.co checkout yet. Katapult says it is not available in Minnesota, New Jersey, Wisconsin, or Wyoming.

Available soon

Shop Pay Installments: Rates from 0–36% APR. Payment options are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Affirm is the lender. Pay in 4 is interest-free on eligible orders from $50 to $999.99. Monthly payments are available on eligible orders from $150. State notices: affirm.com/licenses.

PayPal Pay Later is offered by PayPal, not by Neumati.co. Offers depend on eligibility, your state, and the order. Not every order qualifies.

Katapult is coming soon on this store. A lease-to-own agreement is not a loan. Terms will come from Katapult once the store is approved.

Financing questions

Straight answers about paying for tires over time at Neumati.co.

Does checking my options affect my credit score?

Shop Pay Installments. The Shop Help Center says "there's no impact to your credit when you apply to use Shop Pay Installments," and that "your loan and payment information might be shared with credit reporting agencies." It also says there are no late fees on Shop Pay Installments orders. Source: Shop Help Center: Payments and refunds.

PayPal Pay Later. PayPal states: "When applying for PayPal Pay in 4, a soft credit check may be needed, but will not affect your credit score." For Pay Monthly, PayPal adds: "Missed payments may have an impact on your credit score." Source: PayPal: Buy Now Pay Later.

Katapult. Katapult says it "does not perform a traditional hard credit inquiry with the major credit bureaus when you apply, so applying does not affect your FICO score," and that it may report lease and payment activity to certain consumer reporting agencies. Source: Katapult customer FAQ.

Neumati.co does not make credit decisions. Seeing an offer is not the same as being approved.

Which option is for limited or no credit?

Katapult says it "was built for consumers who may have bad credit, no credit, a limited credit history," that "you do not need an established credit history to apply," and that "approval is not guaranteed." It is lease-to-own, not a loan. Source: Katapult customer FAQ. Katapult is not offered at Neumati.co checkout yet.

Shop Pay Installments is "subject to an eligibility check," and Shop says "your eligibility is determined by Affirm on each individual purchase attempt." Sources: Shop Help Center: Shop Pay Installments overview; Shop Help Center: Shop Pay Installments plans. PayPal says Pay Monthly "is subject to consumer credit approval and eligibility," and Pay in 4 is available "upon approval." Source: PayPal: Buy Now Pay Later. Either may not be offered if credit is limited.

Can I finance installation?

No. Neumati.co sells tires, and installation is not part of our checkout, so it cannot be financed through these options. Katapult says it "leases eligible merchandise, not services or fees," and lists installation among items that generally cannot be leased. Source: Katapult customer FAQ.

What happens if I return the tires?

Neumati.co. Our refund policy lasts 30 days, and tires must be new, unused, and unmounted. Start a return through Returns and Exchanges or by contacting us. Approved refunds are issued after the return is received and inspected.

Shop Pay Installments. Shop says "as you wait for your refund, you need to continue to make any payments that are due." A refund "is first applied to any outstanding installment balance," and any remainder goes to your original payment method. Shopify notes that a refund as store credit or a gift card has no impact on your Affirm payment schedule, and that interest already paid on monthly plans is not refunded. Sources: Shop Help Center: Payments and refunds; Shopify Help Center: Shop Pay Installments customer experience.

PayPal. PayPal says: "If the merchant issues a refund in the form of a store credit, gift card, or cash, your remaining loan balance will still be due to PayPal." Source: PayPal Help: How does a merchant refund work for my Pay in 4 plan?.

Katapult says it permits returns while a lease is active, and to "keep making scheduled payments until Katapult confirms that your lease has been updated." Source: Katapult customer FAQ.

When do I choose a plan?

At checkout, after the tires are in your cart. For Shop Pay Installments, Shopify describes the steps: check out with Shop Pay, select to pay in installments, review the installment options available to you, choose one, then review your purchase and make the first payment. Depending on the order amount, options include four biweekly interest-free payments for orders from $50 to $999.99, or monthly payments for orders from $150 over 3, 6, 12, 18, or 24 months at 0 to 36% APR where available. Source: Shopify Help Center: Shop Pay Installments customer experience.

Shopify's required disclosure: "Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses." Source: Shopify Help Center: required Shop Pay Installments disclosure.

PayPal says "offer availability depends on the merchant," that Pay Monthly has a fixed APR of 0-35.99% with "terms and rates [that] vary based on purchase amount and your credit," and that the lender for Pay in 4 is PayPal, Inc. and for Pay Monthly is WebBank. Source: PayPal: Buy Now Pay Later. Katapult will not appear until it is approved and turned on for this store.

Do you guarantee approval?

No. Neumati.co does not approve financing, and no one can promise approval. Shop says Affirm reviews your application and "you may be approved the next time you apply" if you are not approved. Source: Shop Help Center: Shop Pay Installments overview. PayPal says its plans are "subject to consumer credit approval and eligibility." Source: PayPal: Buy Now Pay Later. Katapult says "approval is not guaranteed." Source: Katapult customer FAQ.