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How to Pay for Your Truck Levelling Kit

How to · Auto

How to Pay for Your Truck Levelling Kit

Upgrade your truck stance without draining your emergency fund by timing your purchase and managing your payments.

VoAtlas editorial Updated · 3 min read
Typical cost $850 before anything else
Across the 0% window $47.22/mo 18 months, no interest

How we got that: $850 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.

Driving a truck that sits level looks better and often handles off-road obstacles with more clearance. Maintenance adds up though, and between parts and the required alignment, you are looking at about $850 for a professional job.

Wait until early spring to pull the trigger. That is when manufacturers usually drop bundle sales on suspension parts, which can shave a chunk off the total price before you even talk to a shop.

Remember that the 0% window is a deadline, not a gift. If you have a balance left over when the 18 months are up, you will start paying interest on whatever remains.

The steps

  1. 01

    Watch for spring bundles

    Check manufacturer sites in early spring for seasonal sales. Shops are more likely to offer deals on suspension kits when the weather warms up and people start prepping their trucks for the season.

  2. 02

    Get an all-in quote

    Call a few local shops and ask for a price that includes the kit, installation, and the alignment. Do not skip the alignment; it is necessary for your tires to last and for the truck to drive straight.

  3. 03

    Use your financing window

    If you need to spread out the cost, the Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This gives you an 18-month window to pay off the $850, which breaks down to about $47.22 per month.

  4. 04

    Negotiate the labor

    Once you have your quotes, ask the shop if they can match a lower price you found online. Sometimes they will drop the labor rate slightly if you commit to doing the work during a slow weekday.

  5. 05

    Set up autopay

    Treat your monthly payment like a utility bill. Set up an automatic transfer for $50 each month to ensure the balance is cleared well before your 18-month window closes.

  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 I really need an alignment after a level?

Yes. Changing the suspension geometry throws off your factory alignment. If you skip this, your tires will wear down unevenly and you will end up spending more money to replace them early.

What happens if I miss a payment?

Missing a payment can end your promotional 0% rate immediately. Always pay at least the minimum on time to keep your terms intact.

Are all levelling kits the same?

Not quite. Some use spacers while others use full strut replacements. Spacers are cheaper, but full kits often provide a better ride quality.

Can I pay it off faster?

Absolutely. Paying more than $47.22 per month just means you own the debt for less time. There is no penalty for paying off the balance early.