Buy now, pay later on tires, wheels and parts

Which plan should I pick?

Your options at checkout

• No interest

  4 payments, every 2 weeks

  Interest-free when paid on schedule. Loans issued by WebBank or Sezzle.

  Soft credit check

• Shop Pay InstallmentsNo interest

  4 payments, every 2 weeks

  Interest-free when paid on schedule. Pay with the card already in Shop Pay.

  Soft credit check

• No interest

  4 payments, every 2 weeks

  Interest-free when paid on schedule. Uses your existing PayPal account.

  Soft credit check

• Rate varies

  Monthly, longer terms

  Promotional interest-free plans on qualifying purchases, and standard interest-bearing terms otherwise. Flexiti shows your rate, term and total cost of credit before you confirm.

  Credit application

• Rate varies

  Monthly, longer terms

  Rates range from 0% APR to interest-bearing depending on the plan and your approval. Affirm shows your rate, term and total before you confirm, with no hidden or late fees.

  Credit application

All options are provided by third parties and are subject to approval. The provider shows your rate, term and total cost of credit before you confirm. Late or missed payments may attract fees from the provider. Autrex does not charge a fee for paying in instalments.

Common questions

Can I buy tires now and pay later in Canada?

Yes. At checkout you can split the cost of tires, wheels and parts into instalments with Sezzle, Shop Pay Installments or PayPal Pay in 4 — four payments, taken every two weeks, with no interest on those plans. Flexiti and Affirm offer longer monthly terms. All options are subject to approval by the provider.

Is buy now, pay later interest-free?

The pay-in-4 plans — Sezzle, Shop Pay Installments and PayPal Pay in 4 — carry no interest when payments are made on schedule. Longer-term financing through Flexiti and Affirm may be interest-free on a promotional plan or interest-bearing depending on the plan and your approval; the provider shows your exact rate, term and total cost before you confirm. Late or missed payments can attract fees from the provider.

How does the 6-month interest-free financing work?

On approved credit, Flexiti offers 6 months interest-free on orders from CA$300 up to CA$3,000. You pay the purchase price divided into 6 equal monthly payments with no interest added, provided the balance is cleared within the promotional period. On approved credit. Standard Flexiti annual interest rate applies to any balance remaining after the 6-month promotional period. Flexiti shows your rate, term and total cost of credit before you confirm. Select Flexiti at checkout to apply — the decision is usually immediate.

Do I need a credit check to finance tires?

It depends on the provider. Pay-in-4 plans generally use a soft check that does not affect your credit score. Longer-term financing through Flexiti or Affirm involves a credit application. Each provider makes its own decision and tells you before you commit — Autrex never sees or stores your credit information.

What is the minimum order to use financing?

Financing starts from CA$30 on eligible plans. Each provider sets its own minimum and maximum order value, so the options you see at checkout depend on your cart total. A set of four tires or a wheel package comfortably clears every provider's minimum.

Can I finance winter tires and put them on a payment plan?

Yes — winter tires and winter tire packages are eligible like any other order. Spreading a winter set over four payments is one of the most common uses of buy now, pay later on Autrex, and there is no surcharge for paying in instalments.

Can I use buy now, pay later on a wheel and tire package?

Yes. Package pricing is treated as a single order total, so a mounted-and-balanced wheel and tire package can be split across instalments the same way a single item can. Larger totals typically qualify for the longer-term monthly plans as well as pay-in-4.

Does financing cost more than paying up front?

Not on the interest-free plans — you pay the same total, just spread out. On an interest-bearing plan the provider adds the cost of credit, and shows you the total before you agree to it. Autrex charges no fee for using any payment plan.

What happens to my payment plan if I return something?

Return the item under the normal 30-day policy and the refund goes back to the provider, which adjusts or cancels your remaining payments. Refund timing follows the provider’s own schedule once we have processed the return.

Want the longer version? Read our full guide to financing tires and parts