Want custom wheels, a lift kit, or new tires but do not have the cash upfront? You are not alone — most of our customers at American Fusion Wheels finance their builds. And the best part: you do not need perfect credit or even a credit check to get approved.
Here is exactly how it works, what your options are, and how to get approved today.
No Credit Check Financing — How It Actually Works
Traditional auto shops make you apply for a credit card or loan that checks your FICO score. If your score is below 620, you are usually declined. That leaves a lot of hardworking people stuck.
We do things differently. We partner with lenders like Snap Finance and Acima that use alternative data instead of your credit score. They look at things like:
- Do you have a checking account?
- Do you have regular income (job, self-employment, disability, etc.)?
- Do you have a valid ID?
If you answered yes to those three questions, you will very likely get approved. It does not matter if your credit score is 450, 550, or if you have no credit history at all.
Real Example: What Does a Monthly Payment Look Like?
| Build | Total Cost | Monthly (12 mo) |
|---|---|---|
| 4 tires mounted & balanced | $800 | ~$75/mo |
| Leveling kit + alignment | $400 | ~$40/mo |
| Wheels + tires package | $2,000 | ~$180/mo |
| Lift kit + wheels + tires | $4,000 | ~$350/mo |
| Window tint (full vehicle) | $350 | ~$35/mo |
Payments are approximate and depend on the lender and term. Early payoff saves on total cost.
Pro Tip: Use the 100-Day Same-as-Cash Option
Both Snap Finance and Acima offer a 100-day (or 90-day) same-as-cash buyout. This means if you pay off the full balance within the first 90-100 days, you pay zero fees — it is like getting an interest-free loan. This is the smartest way to use lease-to-own financing.
What Can You Finance?
Everything. Seriously. We finance:
- Custom wheels from 85+ brands
- Tires from 200+ brands
- Lift kits and leveling kits
- Window tinting
- Car audio systems
- Custom exhaust
- Ceramic coating
- Truck accessories (tonneau covers, steps, lighting)
- Remote start
You can bundle everything into one monthly payment. Get your lift kit, wheels, tires, and alignment financed together as one package.
How to Get Started
- Call us at (913) 291-2027 or walk in — no appointment needed
- Tell us what you want — we will put together a quote
- Apply on your phone — takes 30 seconds to 5 minutes
- Get approved — most decisions are instant
- We install everything the same day
12310 W 62nd Terrace, Shawnee, KS 66216. Open Mon-Fri 9-6, Sat 10-3. Serving Overland Park, Olathe, Lenexa, Kansas City, Lee's Summit, Independence, and the entire KC metro.