Questions about Tires.

[Dante]

Any company offer a finance plan on purchasing some tires? Such as a monthly basis? Figure if ill spend big $$ i may as well go towards my credit rating. Credit cards are out of the question..

[MSMitch]

None that I am aware of (besides this guy Vinnie I know at this downtown billiard hall - tell him 3-finger Sal sent you!)
Try your local bank (seriously) - aside from that, even if a company DID offer it, you'd have to have a good credit rating - if credit cards are already out of the question... ???

[Dante]

I never liked or liked to apply for credit cards.. Only once and never again.

[Cardinal Fang]

Hey Dante, there is Superior Tire & Auto. I pass one location on my way to work daily and they have signs in their window about financing purchases. I have no idea how good these guys are but they have several locations in Toronto.

http://www.superiortire.ca/pages/locations1.html

Might be worth a shot.

[Wild Weasel]

There's no point in paying interest on a big purchase just for the sake of building a credit rating.

If you're not fiscally responsible enough to handle a credit card (and that's not an insult... tons of people are in that boat) then making big purchases using other consumer credit (which is almost always more expensive than a regular credit card) is probably a bad idea.

If you have the money, spend your money.

If you don't, then this is the sort of purchase that I would consider urgent and worthy of using credit on. Check with your bank about getting a line of credit as those are usually the least expensive forms of credit.

If that's the route you need to go though, then I also suggest taking a step back and looking at how you manage your finances. Needs that come up unexpectedly and cost a lot often require you to use credit. Winter isn't unexpected in Toronto though. Planning for this sort of thing in advance can help you save a lot of money and in the long run, you'll sleep better without extra debt and end up having more stuff because you'll pay less for it.