Four tyres at once? Pay monthly tyres, 0% over six months
A deposit on your debit card today, then equal instalments over three, four or six months. Nought per cent, so the total you pay is the total on the invoice — there is no interest hiding in the split.
Up to £1,000 it is a soft search, which does not mark your credit file whether you go ahead or not. The decision takes minutes at the counter and the tyres go on the same day.
Send your reg for the split
Tell us how many tyres and we will come back with the fitted price and what it works out at over three, four and six months, before you apply for anything.
or call 01744 808586
The two things people want to know first
Nought per cent, and it does not mark your file to ask
The split costs you nothing extra
£400 of tyres is £400 whether you pay it today or over six months. There is no APR to work out because there is no interest.
Asking leaves no footprint up to £1,000
A soft search checks you exist and can afford it. Lenders cannot see it, so a decline here does not damage anything you apply for later.
Payment Assist is the provider. Above £1,000 the checks are firmer, which is worth knowing if you are putting tyres, an MOT and a service on one bill.
Send us your reg. Get a real price back.
No callback queue and no vague "prices from". Type your registration, tell us what the car needs, and press send. It opens WhatsApp with the message already written, and a technician in the St Helens workshop picks it up.
- ✓Your MOT due date looked up for you, so you aren’t guessing.
- ✓An estimate before work starts — which is exactly what approval requires.
- ✓The next free slot at Boundary Road, Saturday mornings included.
- ✓Answered by the workshop in St Helens. Never a call centre.
Check your registration
Ten seconds. No account, no waiting on hold.
Send it on WhatsAppor call01744 808586
Mon–Fri 8:30am–5pm • Sat 9am–12:30pm
Pay monthly tyres in St Helens, and exactly how the split works
Pay monthly tyres at Fastlane Autocare means splitting the fitted price over three, four or six payments at nought per cent through Payment Assist. You pay a deposit on a debit card on the day and the rest comes out in equal instalments. On bills up to £1,000 it is a soft search only, so applying does not mark your credit file, and the tyres are fitted the same day.
The reason this exists is not really about tyres, it is about timing. Almost nobody plans to buy four tyres. They fail an MOT, or one lets go on the way to work, and suddenly a few hundred pounds has to come out of a month that was already spoken for. Spreading it does not make the tyres cheaper, but it does stop people doing the thing that actually costs them — buying two instead of four, or buying the cheapest thing in the size and replacing it again next year.
What we will not do is use the split to talk you up a tier. If budget tyres are right for your car and your mileage we will say so, and then you can spread those too. The application happens at the counter, takes a couple of minutes, and you have an answer before the car goes on the ramp. Ring 01744 808586 or send your registration for the figures.
What the monthly figure actually looks like
Illustrative examples to show how the split works. Your figure depends on the size your car takes, and you get the real one before you commit to anything.
Two mid-range tyres
About £240 fitted
The usual outcome after an MOT advisory on one axle.
- £80.00 a month over 3
- £60.00 a month over 4
- £40.00 a month over 6
- Soft search only, no hard credit check
Most commonFour mid-range tyres
About £400 fitted
A full set, free puncture repairs for life, alignment checked free.
- £133.33 a month over 3
- £100.00 a month over 4
- £66.67 a month over 6
- Free puncture repairs for the life of the tyre
Four premium tyres
About £600 fitted
Higher mileage, motorway work, heavier and faster cars.
- £200.00 a month over 3
- £150.00 a month over 4
- £100.00 a month over 6
- Still inside the £1,000 soft search
The phrase you have probably searched
“No credit check” tyres: what that really means
There is a check. It is just a soft one. A soft search confirms you are who you say you are and does an affordability assessment. You can see it on your own credit report; other lenders cannot. It has no effect on your score, and it does not matter whether you are approved or declined.
A hard search is the one that leaves a mark. That is what a mortgage, a car loan or a credit card application does, and a cluster of them in a short window is what makes a lender nervous. On bills up to £1,000 Payment Assist does not do one of those, which is the entire substance behind everything advertised as “no credit check”.
So the honest summary is: no hard credit check, up to £1,000. That is genuinely useful — it means finding out costs you nothing and risks nothing — but it is not the same as nobody looking, and any garage telling you nobody looks is either confused or hoping you are.
What that means if you have been refused before. Plenty of people who assume they will be declined are accepted, because the assessment is about affordability now rather than a score built out of your history. And because it is soft, finding out that the answer is no costs you nothing at all. That is the bit worth acting on.
Above £1,000 the checks are firmer, so if you are putting tyres, an MOT and a service on one bill it is worth knowing where the line sits before you apply.
What else can go on the same split
Payment Assist covers the invoice, not just the tyres, so it is worth doing everything the car needs in one visit.
Tyres and the MOT together
Failed on tyres? Test, tyres and the free retest all happen here, and the whole bill goes on one split.
Brakes at the same time
If the discs and pads were close on the same inspection, doing both now saves paying twice for one strip-down.
Servicing and repairs
It is not a tyre product. Any job we do here can be spread the same way, on the same terms.
What you need with you to apply
To set up pay monthly tyres you need a UK debit card for the deposit, a mobile phone, an email address and a UK address. You must be over eighteen. The application is done at the counter in a couple of minutes, the decision comes back straight away, and the remaining instalments are collected automatically on the same date each month.
A debit card is the part that catches people out. The deposit and the instalments come off a debit card rather than a credit card, so if you were planning to put it on a credit card and spread it that way, this is a different product and it is worth deciding which you actually want before you arrive.
After that it is straightforward. You get the payment dates in writing, the amounts never change because there is no interest, and the last instalment closes it. If a date is awkward because of when you get paid, say so at the counter rather than afterwards — it is far easier to set up correctly than to move later.
If you want the figures before you come in, send your registration to 01744 808586 and we will price the tyres and show you the three splits. See what the tyres themselves cost on tyres in St Helens.
Try it on your own number · Spread the cost
Work out the monthly figure
Drag the slider to roughly what you think the bill will be and it will show you the monthly figure. Anything we do here can go on it, not just tyres. See pay monthly car repairs.
Pay monthly tyres · Who uses it
Where our pay monthly customers come from
All fitted at Boundary Road, and the split is the same wherever you have driven in from.
Straight talking
When spreading it is the wrong call
If you can comfortably pay it today, pay it today. A nought per cent split costs you nothing, but it is still a commitment with dates attached, and a missed instalment has consequences that a paid invoice does not. If the money is there, the simplest thing is the best thing.
If the car is not worth the tyres, say so out loud. Occasionally somebody wants to spread six hundred pounds of premium rubber over a car that is going to be sold before the last payment leaves their account. We would rather have that conversation than take the order — a set of budget tyres, spread over three months, is the honest answer to that situation.
And do not use it to buy two when you need four. This is the one that genuinely wastes money. If all four are down and you split the cost of two to make it fit the month, you are back here in six months paying a second fitting charge and running mismatched grip across the axles in the meantime. Spreading the full set over six is almost always the cheaper end result.
Whatever you decide, the figures come first. Ring 01744 808586 with your registration and we will tell you what the tyres cost before anybody mentions finance.
Find out where you stand, for nothing
Up to £1,000 it is a soft search, so asking costs nothing and leaves no footprint whether the answer is yes or no. The tyres go on the same day if it is a yes.
Fastlane Autocare, 232-254 Boundary Road, St Helens WA10 2PZ · Mon to Fri 8:30 till 5 · Sat 9 till 12:30
Pay monthly tyres · FAQs
What people ask before they apply
Including the awkward ones about credit, answered accurately rather than optimistically.
You choose your tyres, we give you the fitted price, and Payment Assist splits it into three, four or six equal payments at nought per cent. A deposit goes on your debit card on the day and the rest is collected automatically on the same date each month until it is clear.
The application takes a couple of minutes at the counter and the decision comes back straight away, so the tyres still go on the same day.
Because there is no interest, the total you pay is the total on the invoice. There is no APR to work out and no penalty for the split itself.
You can change tier right up to the point the tyres go on. The split is arranged against the invoice total, so moving from mid-range to premium simply re-runs the figures at the counter.
Send your registration to 01744 808586 and we will show you the three figures, or see tyres from £69.95 fitted.
Not quite, and it is worth being accurate. On bills up to £1,000 Payment Assist runs a soft search rather than a hard one. A soft search confirms who you are and whether the payments are affordable, and no other lender can see it, so it has no effect on your credit score at all.
A hard search is the kind that leaves a visible mark, and that is what people are really worried about. You do not get one of those here under £1,000.
So the accurate phrase is no hard credit check, not no credit check. Any garage claiming nobody looks is not being straight with you.
It is also worth knowing the soft search is recorded on your own credit report where you can see it. That is normal and it is not something a future lender factors in.
Because it is soft, finding out costs nothing either way. Ask at the counter or ring 01744 808586.
Very often, yes, and more often than people expect. The assessment is weighted towards whether the payments are affordable for you now rather than towards a score built from things that happened years ago, so a patchy history does not rule you out the way it would on a loan.
The important part is that asking is free of consequences. On bills up to £1,000 the search is soft, so being declined leaves no trace and damages nothing you apply for afterwards.
We cannot promise an answer, because the decision is the provider's and not ours. What we can promise is that finding out will not cost you anything.
What does matter is the affordability side. If the instalments look tight against what is going in and out of your account, the answer is more likely to be no, and that is the assessment working as intended.
Come in or ring 01744 808586, and see pay monthly car repairs for the wider version.
A deposit is taken on your debit card on the day, and the balance is then divided into equal instalments across the term you pick. The exact deposit depends on the total and the term you choose, and you are shown the figure before you agree to anything rather than after.
It has to be a debit card rather than a credit card, which is the detail that catches most people out, so bring one with you.
Choosing six months rather than three lowers each instalment without changing the total, because there is no interest on any of the terms.
Choosing the term is genuinely your call rather than ours. Nobody earns anything from you picking three over six, so pick whichever monthly figure sits comfortably in your month.
Ring 01744 808586 with your registration and we will run the numbers before you come down.
The split is at nought per cent, so £400 of tyres costs £400 whether you pay it in one go today or across six months. There is no interest added to the instalments and no separate arrangement charge for spreading it.
Where cost can appear is if a payment is missed, so it is worth setting the collection date to land just after you get paid rather than just before.
That is the whole reason we ask you which date suits at the counter. It is easy to set correctly and more awkward to move later.
If money is tight in a particular month, ring Payment Assist before the date rather than after it. A missed collection is far easier to avoid than to unpick.
If you want it in writing before deciding, ask and we will print the schedule. Call 01744 808586.
The soft search applies up to £1,000, and that is the figure worth planning around. Above it the checks become firmer, so if you are combining tyres with an MOT and a service on a single invoice it is worth knowing where the line falls before you apply.
In practice most tyre bills sit comfortably underneath it. Four premium tyres at around £600 is still well inside.
If your bill is going to go over, we will tell you at the counter so you can decide whether to split the work across two visits instead.
Splitting a big job across two visits is a legitimate way to stay under the threshold, and we will tell you which half is the urgent half rather than guessing at it.
Ring 01744 808586 with what the car needs and we will tell you roughly where it lands.
Payment Assist covers the invoice rather than a particular product, so an MOT, a service, brakes, an exhaust or a clutch can all go on the same split as the tyres. Doing everything in one visit is usually cheaper than spreading it across separate jobs anyway.
The one thing to watch is the £1,000 threshold, because a combined bill reaches it faster than a set of tyres does.
Where the car needs several things, we will tell you which are urgent and which can honestly wait, rather than bundling everything to make a bigger number.
Doing it all at once also saves you a second strip-down charge on anything that shares labour, which is usually worth more than the convenience of spreading the visits.
See MOT in St Helens and pay monthly car repairs.
Same day in most cases. The application is done at the counter, the decision comes back in minutes, and common car sizes are either on our rack or with us within a couple of hours, so the finance is almost never the thing that holds the job up.
Larger alloys, run-flats and some van sizes may need ordering in, which can push it to next day, and we will tell you that when you ring rather than after you have waited.
If a tyre is illegal or losing air, say so when you call and we will get you in rather than book you for next week.
Stock is the real variable rather than the finance. Ring with the registration and we will tell you honestly whether it is a today job or a tomorrow one.
Ring 01744 808586 with your registration to check stock and hold a slot.
Nothing at all happens to your credit file. On bills up to £1,000 the search was a soft one, no other lender can ever see that it took place, and you are left in exactly the position you were in before you asked. That is the whole point of it being soft.
We will then talk you through the alternatives properly. Very often that means fitting two tyres now on the axle that needs them most and the other two shortly after, which is a legitimate approach when it is planned rather than improvised.
It can also mean a budget tier rather than mid-range, and we will be straight about what that trades away in the wet.
We will also tell you which axle genuinely needs doing first. New rubber belongs on the rear, because a car that lets go at the back in the wet is far harder to catch than one that pushes wide at the front.
Either way you leave safe and legal. Ring 01744 808586 and we will work it out.
No, and we would push back if anyone suggested it. The split is available across all three tiers, so budget tyres can be spread exactly the same way as premium ones, and the recommendation you get from us is based on your mileage and your car rather than on the size of the bill.
Where budget genuinely suits — low annual mileage, a car you are moving on soon, a spare that needs to be legal — we will say so.
Mid-range is what most people doing normal miles are best off with, because it usually lasts long enough to be the cheapest set in real pounds over its life.
The EU label for your exact size is shown before you commit, so the difference between the tiers is something you can see in a wet grip grade rather than something you have to take on trust.
All three prices for your size are shown side by side. See the brands we fit.
It is the same idea and a different mechanism. Buy now pay later usually means a short deferral or a split through a retail app; this is an instalment agreement with Payment Assist arranged at the counter, with the payments set out and collected by direct debit from a debit card.
The practical difference for you is that it is set up face to face, the dates are agreed in the conversation, and the schedule is printed rather than living inside an app.
Both are nought per cent here, so the choice is about how you prefer to manage it rather than about cost.
One practical advantage of arranging it here is that if anything goes wrong with the tyres, the people who sold them and the people who fitted them are the same people standing in front of you.
Ask when you book. Call 01744 808586 or see tyres in St Helens first.
Yes, and because the agreement carries no interest there is nothing to save by doing it — the total is the same whether you clear it in month two or run to the end of the term. Some people prefer to close it early anyway, and that is straightforward.
Speak to Payment Assist directly to settle it rather than trying to do it through us, because they hold the agreement and the collection dates.
There is no early settlement penalty on a nought per cent instalment plan of this kind.
Keep the paperwork somewhere you can find it. It has the agreement reference on it, which is the thing Payment Assist will ask for first.
If you are unsure what you signed, bring the paperwork in and we will look at it with you. Ring 01744 808586.
Yes, and this is worth knowing because it is where paying monthly quietly stops being a compromise. Spreading the cost changes nothing about what you are buying: mid-range and premium tyres bought here still carry free puncture repairs for the life of the tyre, and every set still gets the four-wheel alignment checked free.
The one condition on the free repairs is the usual one — the puncture has to be in the repairable area, and driving on the tyre flat until it cannot be repaired voids it.
The alignment check matters most on a full set, because new rubber on bad geometry starts scrubbing from the first mile.
The free repairs run for as long as the tyre stays on the car, not for a fixed term, so on a mid-range set doing normal miles that is typically several years of cover.
See wheel alignment and puncture repair for what each covers.
You apply at the counter at Fastlane Autocare, 232-254 Boundary Road, St Helens, WA10 2PZ, and you need a UK debit card, a mobile phone, an email address, a UK address and to be over eighteen. There is no form to fill in beforehand and nothing to bring in print.
We are open Monday to Friday 8:30 till 5 and Saturday 9 till 12:30, and the application takes a couple of minutes of that.
It is worth ringing first with your registration so the tyres are on the shelf when you arrive rather than being ordered while you wait.
If you would rather not apply in front of a queue, come in first thing or mid-afternoon. Saturday morning is the busiest counter of the week.
Call 01744 808586, or send your reg through and we will have the figures ready.