You do not have to save up for months to build your truck. At Lift Pro Customs in Willis, TX, most customers finance their lift, wheels, tires, or full build and drive out the same day. If you have been putting off a leveling kit or a wheel and tire package because of the up-front cost, here is exactly how financing a truck build works, what you can put on it, and how to get approved fast.
What can you finance?
The whole build. That means the lift kit or leveling kit, wheels and tires, accessories, and the installation labor, all rolled into one amount. Most customers finance the complete package rather than paying for parts and labor separately. So whether it is a simple level and a set of tires, a wheel and tire package, or a full lift build with everything matched, you can spread it out instead of paying for the whole thing at once. A common example: a customer comes in for our $550 leveling special, adds a set of wheels and tires, and finances the combined total as one payment plan.
Financing vs. lease-to-own (they are not the same)
There are two different paths, and the right one depends on your credit. Financing (through Affirm or Sunbit) means you are approved for a loan and make simple monthly payments. If you have qualifying credit, this usually costs the least. Lease-to-own (through Acima, Snap, or Kafene) is not a loan and not credit in the traditional sense. You lease the build and acquire ownership by completing the lease or by using an early purchase option, and approval looks at more than just a credit score. If your credit is thin or bruised, lease-to-own is how you still get the truck built.
Quick Estimate
The options we offer
We work with several partners so almost everyone has a path:
- Affirm and Sunbit are our primary financing partners and typically offer the best rates for qualifying credit, with simple monthly payments.
- Acima is lease-to-own and gets you started for as little as $10, with a 90-day early purchase option that lowers your total cost.
- Snap Finance is lease-to-own up to $5,000, and all credit types are welcome to apply.
- Kafene is lease-to-own up to $5,000 with flexible payments and an early purchase option.
You can see every option and apply from your phone on our financing page.
How fast is approval?
Fast. Most approvals take minutes, and Sunbit advertises seconds. Once you are approved and the parts are in hand, we schedule your install like any other job. Smaller jobs like a leveling kit with wheels and tires are often finished the same day, so there is a real chance you apply in the morning and drive out on your new setup that afternoon.
Does lease-to-own cost more than paying cash?
We will be straight with you: yes. Acquiring ownership through a lease-to-own agreement costs more than the cash price, and that is the trade-off for getting approved with little or no credit and driving out today. The good news is the early purchase options make a real difference. Acima has a 90-day early purchase option and Snap has a 100-day option, and using them cuts your total cost well below the full lease-to-own amount. If you can comfortably pay cash, you will always spend the least that way. If you cannot, lease-to-own is how the build still happens now instead of a year from now, and the early purchase option keeps it as affordable as possible.
What if my credit is not perfect?
Apply anyway. The whole reason we carry lease-to-own options like Acima, Snap, and Kafene is that they approve many customers a traditional lender would turn down, because they look at more than a credit score. Plenty of our customers assume they will get declined and end up approved for the full build. It costs nothing to find out, and applying will not stop you from getting your truck done.
How to apply and get a quote
Start with a real number for your truck. Send us your year, make, model, and what you want done, and we will put together an honest quote, usually the same day. From there, tap the option that fits your situation on the financing page, apply in minutes, and we will handle the rest at the shop. We build trucks for Willis, Conroe, Montgomery, Huntsville, and The Woodlands, and we would rather help you get it done now than watch you wait on it.