Les Schwab Credit

Frequently Asked Questions

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• Which Les Schwab locations offer credit?

  Credit is offered at all Les Schwab store locations. Find a store near you.

• Can I adjust my line of credit?

  It may be possible to adjust your line of credit, including a credit increase. Please speak with the manager at the store where you signed your paperwork.

• Can I use my credit plan at any Les Schwab?

  Yes. Your Les Schwab credit account is assigned to a specific store location, but you may use your account at any Les Schwab tire center.

• What credit score do I need to qualify?

  Les Schwab pre-qualification may require a credit score of at least 560, but we consider multiple variables to make a holistic decision on each credit application. Beyond your credit score, our stores explore options with you, including co-signers, down payment options, and personal references.

• Does applying affect my credit score?

  A full credit check is necessary to apply for Les Schwab Credit. These checks can affect your credit score, but generally the impact is minimal.

• Does Les Schwab report to credit bureaus?

  Yes, Les Schwab does report to consumer credit reporting agencies, which can affect your overall credit depending on on-time and late payments as well as delinquency. As long as you don’t miss a payment, your Les Schwab credit account could help build your overall credit score over time.

• Can I pay off my balance early?

  Yes. There are no pre-payment penalties. If you want to pay it off early, go ahead. We’ll make sure your next statement reflects the new balance.

• Who services Les Schwab credit accounts?

  Our founder, Les Schwab, believed in helping people afford the tires, wheels and other products and services they needed. When you apply for Les Schwab credit, you’re working directly with us. It’s something we’ve proudly offered for generations.