There are only two key things that we look at when qualifying customers:

  • Income
  • Checking account

We require the applicant has had steady income from the same employer for at least the last six months. We also require the applicant to earn at least $1,000 per month and deposit at least $500 per month into their checking account. The applicant must also have an active checking account for at least three months, and have no “Non Sufficient Funds” or excessive overdrafts in the last 30 days.

FAQ (Frequently Asked Questions)
What is the interest rate? How is the monthly payment figured?

There is no interest rate for the customer. Payments are automatically withdrawn from the customer’s account on their paydays. For example: If the invoice amount is $1,000 and the customer is paid bi-weekly, the payment will be $77.41 every payday for 27 payments. If they are paid weekly, they will pay $39.43 each week.


                                     Approval Matrix
Approval Amount      Bi-Weekly Payments      Weekly Payments
         $300                           $24.63                            $12.55
         $450                           $35.19                            $17.92
         $650                           $50.31                            $25.63
         $750                           $58.06                            $29.58
         $900                           $69.67                            $35.49
         $1,000                        $77.41                            $39.43
         $1,100                        $85.15                            $43.38
         $1,200                        $92.89                            $47.32
         $1,300                        $100.63                          $51.26
         $1,450                        $112.24                          $57.18
         $1,650                        $127.72                          $65.07
         $2,000                        $154.81                          $78.87
         $2,500                        $193.52                          $98.58


How long is the lease agreement for?

All lease/purchase agreements are for 12 months unless the customer wishes to pay off early.

What are the buyout options for the customer?

Everyone is initially set up on a 12 month contract, however all customers have the option to purchase their lease agreement within 90 days of the delivery date and only pay the Cash Price (invoice + 10%; $50 minimum) and all other lease payments applied. Approximately 50% of our customers utilize this option.

If the customer wishes to own the merchandise outright after 90 days but before the end of the 12 months, they may purchase it at a discounted amount.

What is the minimum and maximum finance amount?

The minimum finance amount is $300, while the maximum amount is $3,700.

PLEASE NOTE: we can only finance product (wheels, tires).  We cannot finance any labor (alignments, mount/balance, etc). Please feel free to call with any questions. We are here to help. 

Are documents needed for the approval process?

The following documents MAY be required for an approval:
Application (you can either download or apply on line).
Bank Statement from the last 90 days
Photo ID
Voided Personal Check
If Self Employed –Simply Provide the last Three months of bank statement
Other Types of Income statement might be required by progressive– Retirement / SS / VA / Long Term Disability

How to process after submitted application?

You will receive one of following responses :
Approved – If approved, no further documentation is needed.
Denied- If denied, please contact us at 714.772.1281 to find out why.

What finance company do you use?

All of our online financing is done through Progressive Finance.