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How to Pay for All-Weather SUV Floor Liners

How to · Auto

How to Pay for All-Weather SUV Floor Liners

Protect your SUV's interior and your cash flow by timing your purchase and using a long 0% interest window.

VoAtlas editorial Updated · 3 min read
Typical cost $220 before anything else
Across the 0% window $12.22/mo 18 months, no interest

How we got that: $220 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.

SUVs are built for utility, but the interior takes the most abuse. Mud, snow, and spilled coffee eventually ruin the carpet, which hurts what the car is worth when you sell it. Buying heavy-duty liners is a smart move for maintenance, but they aren't cheap.

A full set of custom liners usually runs about $220. You shouldn't put a whole car on a credit card, but for accessories and protection packages, it can work well. If you time the buy right, you can get the gear you need without a big hit to your monthly budget.

The 0% rate is a tool, not a permanent discount. If you haven't paid off the balance by the time the 18 months are up, the interest rate will jump to the standard APR on whatever you still owe.

The steps

  1. 01

    Time the holiday sales

    Most auto accessory shops run discounts on holiday weekends like Labor Day or Black Friday. You can usually find 10% or 15% off if you wait for the right calendar window.

  2. 02

    Verify the fit

    Use the manufacturer's fitment tool to match your exact year and trim level. Custom-molded liners are better than trim-to-fit mats because they won't slide under your pedals.

  3. 03

    Use a 0% interest window

    If you put the purchase on a Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. This breaks a $220 bill into 18 monthly payments of $12.22.

  4. 04

    Choose the right material

    Look for thermoplastic elastomer instead of basic rubber. It stays soft in the winter and doesn't off-gas a chemical smell when the car gets hot in the summer sun.

  5. 05

    Skip the dealer markup

    Your local dealership will try to sell you their own branded mats for a premium. You can get the same quality or better from independent brands online for much less money.

  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

Do all-weather mats really help resale value?

They keep the factory carpet looking new. When a buyer sees clean floors in a used SUV, it shows you actually took care of the vehicle.

How do I clean these liners?

You just take them out and hit them with a garden hose. For stubborn dirt, use a little dish soap and a stiff brush, then let them air dry.

Is 18 months long enough to pay them off?

At about $12 a month, it is very manageable. Just set up an autopay so you do not have to think about it or accidentally miss a deadline.

Can I use this card for other car parts?

You can use it for any purchase, but it is best for these mid-sized extras. It keeps your main car loan separate from your maintenance and accessory costs.