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How to Pay for All-Terrain Tires

How to · Auto

How to Pay for All-Terrain Tires

Upgrade your ride for the trail without draining your bank account all at once.

VoAtlas editorial Updated · 3 min read
Typical cost $1,200 before anything else
Across the 0% window $66.67/mo 18 months, no interest

How we got that: $1,200 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

New tires change how your truck handles everything from gravel roads to weekend mud. They are expensive, but waiting for a holiday sale at a local shop can shave a few hundred off that $1200 price tag.

You want to negotiate the mounting and balancing fees before you commit. Once you have the final out-the-door price, you can use a financing window to break that cost into manageable payments.

Remember that the 18-month window is a deadline, not a gift. If you still have a balance when the time is up, you will start paying interest on whatever is left over.

The steps

  1. 01

    Watch the calendar

    Major tire retailers drop prices around holiday weekends like Memorial Day or Labor Day. Sign up for email alerts from your local shops to catch these temporary discounts.

  2. 02

    Negotiate the extras

    Tire prices are often fixed, but labor is not. Ask the shop to waive the mounting or balancing fees if you buy a full set of four.

  3. 03

    Use your financing window

    If you use the Citi Simplicity® Credit Card (Citi), you get 0% for 18 months on purchases and balance transfers from date of account opening. This lets you spread the $1200 cost over 18 months without adding interest charges.

  4. 04

    Set your payment goal

    Divide your total by 18 to find your target. You need to pay $66.67 per month to clear the balance before your intro window on purchases ends.

  5. 05

    Automate the payments

    Set up an automatic payment for the monthly amount. This ensures you never miss a due date and keeps you on track to finish paying before the 0% period ends.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Should I buy tires online or in person?

Online shops have better prices, but local shops often include free rotations for the life of the tire. Check if the local price difference is worth the service perks.

Do I need to replace all four tires at once?

For off-road vehicles, yes. Mixing tire types or tread depths can mess with your drivetrain and ruin your traction.

What happens if I miss a payment?

You might lose your intro rate and get hit with penalty fees. Always pay at least the minimum on time to keep your account in good standing.

Are all-terrain tires louder on the highway?

They usually are. The deeper tread patterns that grip mud also create more road noise at high speeds.