- What's going on guys?
I'm Fuller from Custom Offsets'
"Custom Offsets TV" on the YouTube.
And a few weeks back,
you might have seen a video we put up
about how to get wheels and tires
for just 500 bucks,
which obviously in the truck world
is pretty much unheard of.
Of course, there is a bit of a caveat with that,
because the gist of it was that
with the way that pricing and inflation
has been affecting things
and availability is down,
it's easier now than ever before
to sell your old wheels and tires
and take that money, plus $500,
and get yourself a new set of wheels and tires every year.
But that's not the only way to do it.
Now I'm gonna try not to sound like a used car salesman here
'cause I've already been there,
already done that.
Years back we started offering financing options
on wheel and tire packages on customoffsets.com.
And we were honestly a bit unsure
if people would really use it,
but we found out that there's a huge percentage of people
who do take advantage of the option
to spread out their payments
on their wheel and tire setups
over the course of a year or more.
(air whooshing)
Now, depending on your terms
and how long you choose to make payments,
a firm actually offers even as low as 0% APR financing.
So, simply put,
it might not cost you any extra
to spread the payments out over a few paychecks.
(air whooshing)
Now, I'm sure you have a bunch of questions on this
and how it all works,
and I can't see the future
to know exactly what questions you're going to drop
in the comment section down below,
but I can take a shot in the dark here,
and try to hit some of what I'm assuming
are gonna be the frequently asked questions.
So number one being how much do I have to put down?
How much money do you have to put
into this right off the bat to get it going?
Well, financing through a firm
with these low monthly payments
isn't the same as like buying a house
or a car where you need X amount of money down.
There's not a first time wheel buyer
credit assistance program
that reduces your down payment to 3.5%
through the housing and economic development association.
We don't have things like that in the wheel world.
Words are hard today.
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'Cause you don't need a down payment.
So, essentially you choose how much you want to pay
right at check out.
Once you're approved,
some people put no money down,
other people might pay half up front,
it's really up to you.
If you've got the $500 now,
or maybe even a bit more from a tax return
or something like that,
or a bunch of overtime on your last check
and you wanna put more money towards it.
Whatever your case is,
obviously the money you put forward at check out
helps reduce that monthly cost,
and in turn allows you to pay off the balance even easier.
(air whooshing)
As far as the cost breakdown goes,
we and our firm are super transparent.
So as you go through the check out and application process,
it'll provide you with a couple options for payments
where you can choose three, six,
or 12 month options,
and it'll show you exactly how much you'll pay in interest.
And as far as how much you pay monthly,
obviously that kind of depends on several factors,
including what you buy.
So I went on the website and built a couple packages.
So, first I built a package
that's got some 20x12 TIS 547s
and 33x12.50 tires,
which came up to be about $3,100 or so.
But with no money down,
it's just 87 bucks a month
which is less than my cell phone bill.
Now, when you play around on the site,
you'll see these monthly payment estimates.
So you can have a general idea
of what the monthly cost will be.
Where you might get confused
is how a $2,000 option might have a higher monthly payment
than a $3,500 package?
And as the price increases,
we're actually able to offer longer terms,
which in turn lowers your monthly cost.
So that's where the difference is there.
A set of like 20x9 Anthem Rogues
with a set of all-terrain tires runs about $2,100,
and it fits on your truck without suspension modifications
which also saves you money.
If you choose to use a monthly payment options for those,
you can get those for as low as like 72 bucks a month.
So if you get paid every other week,
that's 36 bucks a paycheck
for you to not roll around
in a stock boring looking truck.
Toss in 500 bucks and your payment gets even lower.
(air whooshing)
So if you want a short term plan,
you can choose to pay over just three months.
If you want the lowest possible payment
you can always spread those out over 12 months,
and we always offer as low as 0% APR financing.
(air whooshing)
Now, if you're worried about your approval odds
because of past history,
or less than ideal credit situation,
it's good to know that a firm bases its decision
not only on your credit score,
but also on several other data points about you,
and you may be eligible,
even if you don't have an extensive credit history.
A firm will also send you an email
and text reminders in advance of your upcoming payments.
And you can also enable AutoPay
to schedule automatic monthly payments too.
So you'll know exactly how much
that you're gonna owe each month
and the number of payments you have to make
and the total amount of interest that you'll be paying
over the course of the loan
before you actually complete the entire check out purchase
and confirm that purchase.
So there's absolutely zero hidden fees with this.
(air whooshing)
Now there are other programs too
that you can use without taking
a credit pool after a credit pool after a credit pool.
If a firm isn't your jam,
like you don't wanna use them,
or you just don't wanna fill out their application,
PayPal Credit is another really easy option,
and most people already have a PayPal account
but might not use PayPal Credit.
So, connecting PayPal Credit with us is super easy.
And most of the times PayPal Credit,
you can get usually 0% interest
as long as in the past
you've paid back your purchases on time.
And usually their periods are like six to 12 months
and you can get that 0% for.
So, basically, yeah,
they borrow you free money.
(air whooshing)
If either those options doesn't work for you
or you find yourself needing just a little help,
Katapult has another option for a lease-to-own program
to get a new set of wheels and tires now,
and then sell your current setup
and only be down a couple hundred bucks at the end of it.
Of course, what everyone is concerned about
is when they will get their wheels and tires,
or suspension,
or whatever else it is that you choose to order.
So as soon as you check out,
the order process flows the same way for us,
whether you used a PayPal,
or credit card, debit card,
or finance.
So there is no waiting.
You don't have to make payments first.
You just place the order,
and then we get to work
with the free mounting and balancing,
and then get them loaded up on a truck,
to get them to you with free shipping.
(air whooshing)
So, if you've only got $500 to spend on wheels,
you're not necessarily out of luck.
So, come check out the website at customoffsets.com.
You can build your perfect package
and let's see what we can get done for you.
Peace.
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