Wheel and rim financing lets you buy OEM or certified replica wheels now and pay over time with services like Affirm, Afterpay, and PayPal Credit. Whether you’re replacing a damaged rim or upgrading to black truck rims, this guide explains how financing works, which option fits your budget, and how to avoid costly mistakes.
OEM wheels, also called OEM rims, are the factory wheels made for your vehicle. They match exact specs for PCD, offset, width, and hub bore, so install is easy and the ride is smooth. Learn how OEM differs from aftermarket and replicas, how to verify part numbers and Hollander codes, and when each option makes sense.
Discover the real difference between factory OEM wheels and today’s replica rims. Learn how modern replicas now meet DOT standards, match OEM quality, and cost up to 60% less. See how 2026 tariffs reshaped the market and find out which brands deliver the best certified alternatives for your car, truck, or SUV.