2 locations serving East Texas Tyler (903) 630-1114  ·  Longview (903) 807-9484
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Black aftermarket wheel and all-terrain tire on a lifted blue Tacoma at dusk

Financing & leasing

Ride now.
Pay your way.

Four financing and lease-to-own partners. Some skip the credit check, some run monthly terms. Applying online takes a few minutes, and the answer comes from the lender. Then you roll out of Tyler or Longview on the set you came for.

See all four options Call Tyler Call Longview

4 finance & lease partners Minutes to apply Seconds to most decisions 2 East Texas shops

How to choose

Pick the
right lane.

Four partners means four different yardsticks. Start with where your credit actually is, and you'll skip the applications that were never going to fit.

01

Solid credit

Any of the four will likely say yes. Your job is the exit: ask about early purchase and early payment options before you sign, because that's what pulls the total back toward the cash price.

 02

Thin or no credit

Snap approves on steady income and an active checking account. Katapult skips the credit check entirely, and Kafene doesn't ask for perfect credit. A real paycheck carries more weight than a score here.

 03

Rebuilding credit

Kafene keeps terms flexible, and Progressive gives instant in-store decisions. A past denial doesn't decide this one.

Straight talk

Read this
before you apply.

Lease-to-own costs more than paying cash. The providers say it in their fine print, and we'll say it to your face. Here's how to keep the extra cost small.

01

Cash is the cheapest set

Most of these plans are lease-to-own, and acquiring ownership by leasing costs more than the retail cash price. If you can pay outright, do it. Financing is a tool for when the cash isn't there and the tires can't wait.

02

Early payoff shrinks the gap

Every partner offers an early purchase or early payment option, and using it cuts what you pay in total. One caution: Progressive's early purchase options still cost more than the cash price, except its 3-month option in California.

03

"No credit needed" has limits

Approvals lean on income and banking rather than a score alone, but some partners still pull bureau information. Progressive puts it plainly: they obtain information from credit bureaus, and not all applicants are approved.

Approvals, terms and payments come from each provider, not from Wheels Upfront. Bring your questions to the counter and we'll walk the options with you before you apply.

Stack of new all-terrain tires waiting for installation

The partners

Four ways
to yes.

Every application below runs on the provider's own site, and every approval comes from them. Pick your shop, then your partner, apply, and bring the yes to us. We handle the install.

First step

Which shop are you working with?

Tyler and Longview each hold their own accounts with these partners, so your application has to go to the right store. Pick yours and the apply links below point at it.

Pick a shop and the apply links below will point at that store.

Lease-to-own · Minutes to apply · Approvals in seconds

Kafene

Kafene provides lease-to-own plans that let approved applicants make smaller payments over time on the products they need now. It takes minutes to apply and approval amounts come back in seconds. Flexible terms make it easy to find a plan that works for you.

Flexible termsSmaller payments over timeApproval amount in seconds

Opens Kafene's site in a new tab. The application, approval and terms are handled by Kafene, not Wheels Upfront.

Consumer loans · All credit types · Up to $5,000

Snap Finance

Snap lends to all credit types, and it is built for people who have had credit trouble and may not qualify for regular financing. Approvals run up to $5,000. Here is what you need to apply:

Legal age to contractSteady monthly incomeActive checking accountValid email + phone

Opens Snap's site in a new tab. The application, approval and terms are handled by Snap, not Wheels Upfront.

Lender disclosure

*The advertised financing is provided by a merchant partner, an affiliate of Snap, or Transportation Alliance Bank d/b/a/ TAB Bank. For more detailed information, please visit Snap's Privacy Policy at www.snapfinance.com/privacy.

Lease-to-own · No credit check · Decision in 5 seconds or less

Katapult

Katapult's lease purchase plans are an alternative financing option: eligible customers lease the products and make monthly payments with no credit check. Apply online and get a decision in 5 seconds or less. Then take the early purchase option to hold the total down, or spread payments out over a longer period.

No credit checkMonthly paymentsEarly purchase option

Opens Katapult's site in a new tab. The application, approval and terms are handled by Katapult, not Wheels Upfront.

Lease-to-own · 12 months to ownership · Instant in-store decision

Progressive Leasing

Progressive keeps lease-to-own simple: complete all the standard recurring lease payments, or exercise an early purchase option, and you own the product. The standard agreement offers 12 months to ownership, and you apply in store for an instant decision.

Early purchase options cost more than the retailer's cash price, except the 3-month option in California. To purchase early, call 877-898-1970.

12 months to ownershipEarly purchase optionApply in store

Opens Progressive Leasing's site in a new tab. The application, approval and terms are handled by Progressive, not Wheels Upfront.

Lender disclosure

The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer's cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY. No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

No luck online?

Didn't get
approved?

Talk to us directly. A no from one partner isn't a no from all four, and the counter can often find a route the website can't. We're proud to serve Tyler, Longview, Marshall and the rest of East Texas.

Get rolling today.

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