Does national tire and wheel finance

## National Tire and Wheel Finance: A Comprehensive Guide


When it comes to financing tires and wheels, National Tire and Wheel Finance (NTWF) is a reputable option. They offer a range of financing plans designed to meet the needs of different customers. This comprehensive guide will provide an in-depth overview of NTWF’s services, including their loan offerings, application process, interest rates, and customer service.

Loan Offerings

NTWF provides two main types of loans for tire and wheel purchases:

1. Personal Loans

Unsecured loans available to individuals with good credit
Amounts range from $500 to $50,000
Terms range from 12 to 60 months
Interest rates vary based on creditworthiness

2. Retail Installment Loans

Secured loans backed by the purchased tires and wheels
Amounts range from $500 to $10,000
Terms range from 6 to 36 months
Interest rates are typically lower than personal loans

Application Process

Applying for a loan with NTWF is a straightforward process:

1. Visit the NTWF website or contact a participating tire dealer.
2. Complete the online or in-person application.
3. Provide financial information, including income and expenses.
4. Submit the application for review.
5. NTWF will conduct a credit check and make a decision.

Interest Rates

NTWF’s interest rates vary depending on the following factors:

Loan type
Loan amount
Loan term

Generally, interest rates for personal loans range from 5% to 25%, while retail installment loans typically have lower rates ranging from 0% to 10%. NTWF offers competitive rates compared to other lenders.

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Customer Service

NTWF values customer service and provides various channels for assistance:

24/7 phone support at 1-800-599-5026
Live chat support on the NTWF website
Email support at
Online account management for easy access to payment information and statements

Advantages of Financing with NTWF

Convenient and Flexible: NTWF offers a range of loan options to fit different needs.
Competitive Rates: Interest rates are typically competitive and vary based on creditworthiness.
Quick Application Process: Applying for a loan is simple and can be done online or in person.
Excellent Customer Service: NTWF provides 24/7 support and various communication channels for assistance.
Established Reputation: NTWF has been in business for many years, establishing a solid reputation in the tire and wheel financing industry.

Disadvantages of Financing with NTWF

Credit Requirements: Personal loans require good credit scores, which may not be accessible to everyone.
Late Fees: Making late payments can result in penalties and additional fees.
Prepayment Penalties: NTWF may charge a fee for paying off a loan early.

Tips for Getting Approved

Check Your Credit Score: Review your credit score and address any errors or outstanding debts.
Provide Accurate Information: Be honest and transparent in your application to increase your chances of approval.
Consider a Co-Signer: If you have limited credit history, a co-signer with good credit can strengthen your application.
Provide Proof of Income: Documenting your income with pay stubs or bank statements will help NTWF assess your ability to repay the loan.
Negotiate Terms: If possible, negotiate the loan amount, interest rate, and term that align with your financial situation.

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Alternatives to NTWF

Tire and Wheel Credit Cards: Some retailers offer credit cards specifically for tire and wheel purchases, providing rewards and financing options.
0% Interest Financing: Some tire and wheel retailers may offer promotional financing options with 0% interest for a limited time.
Layaway Plans: While not financing, layaway plans allow you to make regular payments towards your purchase until the total balance is paid off.


National Tire and Wheel Finance offers a range of financing options for tire and wheel purchases. They provide competitive rates, a convenient application process, and excellent customer service. Whether you have good credit or need a co-signer, NTWF can help you finance your tire and wheel needs. By considering the advantages and disadvantages outlined in this guide, you can make an informed decision about financing with NTWF.

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