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How to Pay for an Aftermarket Suspension Lift Kit

How to · Auto

How to Pay for an Aftermarket Suspension Lift Kit

Upgrade your ride without wrecking your monthly cash flow by breaking the costs into manageable pieces.

VoAtlas editorial Updated · 3 min read
Typical cost $1,500 before anything else
Across the 0% window $100.00/mo 15 months, no interest

How we got that: $1,500 spread evenly across the 15-month introductory window on the Discover it® Cash Back. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

That lift kit will change how your truck handles and how it looks, but it is a heavy hit to the bank account all at once. Shops are usually slower in the winter, which is often the best time to ask for a deal on labor or parts if they have a slow week.

You are looking at about $1500 for a quality install. We can break that cost down so it doesn't leave your wallet empty, but you have to be disciplined about the math.

Remember that the 0% intro APR is just a window, not a free pass. If you have any balance remaining after the 15 months, the bank will start charging you interest on what is left, which will quickly cost you more than you saved.

The steps

  1. 01

    Shop in the off-season

    Call local shops during the winter months when business is slow. Ask if they have any upcoming labor specials or brand-specific rebates on suspension parts. You might save a few hundred dollars just by timing your install correctly.

  2. 02

    Get a firm quote

    Do not accept a rough estimate. Ask for a written quote that includes the parts, the labor, and the alignment. Everything needs to be in writing so you know exactly how much you need to save.

  3. 03

    Leverage the intro window

    Use the Discover it® Cash Back card to pay for the install. This card offers 0% intro APR for 15 months on purchases and balance transfers. This gives you 15 months to pay off the $1500 without paying extra in interest charges.

  4. 04

    Set up an auto-pay

    Take your total cost and divide it by 15. That is $100.00 per month. Set up an automatic payment for that amount so you never miss a deadline.

  5. 05

    Check your clearance

    Once the kit is on, check your new height against your daily driving requirements. Make sure you can still fit in your garage or your work parking deck before you commit to the purchase.

  6. 06

    Check the card terms before you commit

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

    See Discover it® Cash Back terms →

Common questions

Will a lift kit hurt my gas mileage?

Yes, usually. Lifting the truck changes the aerodynamics and increases wind resistance, so expect to lose a few miles per gallon.

Do I need new tires too?

You should budget for them. A lift kit often makes stock tires look small and might affect your speedometer calibration if you go much larger.

Can I install this myself to save money?

You can, but suspension work requires specific tools like spring compressors and can be dangerous if you do not have experience. If you mess up the installation, you could end up paying more to fix it than you would have paid a pro.

What happens if I cannot make a payment?

Missing a payment can end your 0% intro APR promotion early. Always make at least the minimum payment on time, even if you are aiming to pay off the full $1500 early.