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How to Pay for Car Interior Upgrades

How to · Auto

How to Pay for Car Interior Upgrades

Upgrade your vehicle with durable floor mats and seat covers without wrecking your monthly budget.

VoAtlas editorial Updated · 3 min read
Typical cost $600 before anything else
Across the 0% window $33.33/mo 18 months, no interest

How we got that: $600 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.

Keeping a car clean feels like a losing battle, especially if you deal with mud, sand, or spills. Good-quality, weather-proof mats and custom seat covers make the interior feel brand new and protect the upholstery from daily wear.

Black Friday is the best time to buy these because manufacturers and retailers drop prices to clear out inventory. You can usually snag a full set for around $600 if you shop the sales rather than buying from a dealership parts counter.

The 18-month window is a deadline, not a gift. If you still have a balance after those 18 months are up, you will start paying interest on the remaining amount, which will cost you more than the original price.

The steps

  1. 01

    Measure your vehicle

    Don't guess the fit. Check your specific make and model year to ensure the covers won't interfere with your side airbags or seat controls.

  2. 02

    Set your budget

    Expect to spend about $600 for a quality set. If the total is higher, look for coupons or wait for a holiday discount to bring it down to that range.

  3. 03

    Use the Citi Simplicity® Credit Card

    You get 0% for 18 months on purchases and balance transfers from date of account opening. This lets you spread the $600 cost over 18 months at $33.33 per month without paying interest.

  4. 04

    Check for shipping costs

    Floor mats are heavy. Look for sites that offer free shipping, or you might find yourself paying an extra $50 just to get the box to your door.

  5. 05

    Install immediately

    Put the gear in the car as soon as it arrives. Doing this right away protects your resale value before more dirt settles into the carpet.

  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

Are universal mats okay?

They are cheaper but rarely fit well. Spend the extra money on custom-fit mats so they don't slide around under your feet while you drive.

Will seat covers ruin my leather?

Not if you get breathable covers. Cheap plastic covers can trap moisture, so stick to fabrics designed to let the seat breathe.

Do I need to pay for professional installation?

Usually no. Most mats just drop in, and covers typically use simple hooks or elastic straps that you can manage yourself in an afternoon.

Is the interest rate really 0%?

Yes, for 18 months. You won't pay interest as long as you pay the balance off before that time is up.