Spread the Cost of Your Alloy Wheels

Want new alloys without finance, credit checks or interest? Spread the cost at Manchester Alloys. It’s simple and honest: reserve the wheels you want, put a deposit down, then pay the balance in installments at a pace that suits you — weekly or monthly, your choice. The price is locked the day you reserve, so it never goes up while you pay. When the balance is clear, you collect your wheels (fitted free at our Crumpsall workshop) and drive away. No lender, no credit application, no interest, ever.

How spreading the cost works

1. Reserve your wheels. Use the vehicle selector to confirm the alloys that fit your exact car (we check PCD, offset and centre bore so there are no wrong-fit surprises), then tell us you’d like to spread the cost. Or just call us on 0161 399 4859.
2. Put a deposit down. A deposit secures your set and locks today’s price. Your wheels are set aside for you.
3. Pay in installments at your pace. Pay off the balance in chunks that suit your budget — weekly, monthly, or whenever you have it. There’s no fixed schedule forcing your hand and no interest building up.
4. Collect and get fitted once it’s paid in full. When the balance is clear, bring the car in. We fit, balance, valve and safety-check your wheels free — same day on stocked sizes.

Why this beats finance for a lot of people

Traditional wheel finance means a credit application, a hard search on your file, an interest rate, and a debt you’re tied to whether or not you keep the wheels. Our reserve scheme is the opposite:

• No credit checks — nothing touches your credit file, so a thin or imperfect credit history is no barrier.
• No interest — the price you reserve at is the price you pay. You never pay more for spreading it.
• No lender and no contract debt — you’re simply paying off your own wheels at your own pace.
• Price locked — even if our prices rise while you’re paying, yours is fixed from the day you reserve.
• No pressure — pay faster when you can, ease off when money’s tight. The wheels wait for you.

What this is — and what it isn’t

To be completely clear and straight with you: this is a reserve and layaway scheme, not a credit agreement. You are not borrowing money and we are not lending it. You pay towards goods over time and take them home once they’re fully paid for. Because no credit is provided, there’s no regulated credit agreement, no APR and no interest — just a deposit and installments against your own wheels. If you’d prefer regulated finance with the legal protections that come with it, that’s a different product from a lender; our scheme is the simple, interest-free alternative for people who’d rather avoid borrowing altogether. If you ever need to stop, talk to us — we’ll always be fair about your deposit and what you’ve paid.

Who the scheme suits

Spreading the cost works for all sorts of people, and there’s no judgement about why you’d rather not borrow. It tends to suit you well if:

• You’d rather not take on finance or a hard credit search, whatever the reason.
• You know exactly which alloys you want and want to lock today’s price before they sell out or go up.
• Your income comes in uneven chunks — commission, seasonal work, the self-employed — and a rigid monthly direct debit doesn’t fit.
• You want a premium set — OZ Racing, Sparco or a load-rated van set — and prefer to build up to it rather than stretch in one hit.

If that sounds like you, the vehicle selector confirms what fits and a quick call to 0161 399 4859 gets your reservation set up.

You can spread the cost of anything we sell

The scheme isn’t just for a set of alloys. You can reserve and spread:

• A set of alloy wheels from any of our brands — OZ Racing, MSW by OZ, Sparco, Riviera, GMP Italia, Velare, CMS, Romac, JBW and Antera.
• A complete wheel & tyre package — wheels, correctly-sized tyres, fitting and balancing in one locked price.
• Load-rated van & 4×4 alloy wheels — spread the bigger outlay of a commercial or off-road set.

Frequently asked questions

Do you run a credit check?

No. There’s no credit application and no search on your file. You reserve with a deposit and pay the rest in installments — nothing more.

Is there any interest or extra fee for spreading it?

No interest and no spreading fee. The price you reserve at is the price you pay. That’s the whole point — it’s an honest, interest-free alternative to finance.

How long do I have to pay it off?

There’s no rigid deadline ticking against you — you pay at your own pace. We’ll agree a sensible, comfortable timeframe with you when you reserve so your wheels are held and the plan is clear for both sides. Call 0161 399 4859 to set it up.

When do I get my wheels fitted?

Once the balance is paid in full. Bring the car to the Crumpsall workshop and we’ll fit, balance, valve and safety-check your wheels free — same day on stocked sizes.

What if I change my mind partway through?

Talk to us. Because this is a reserve scheme and not a loan, there’s no lender to answer to — just have an honest conversation with us about your deposit and what you’ve paid, and we’ll be fair with you.

Reserve your wheels today

Confirm the alloys that fit your car in the vehicle selector, then call the Crumpsall workshop on 0161 399 4859 to put a deposit down and lock your price. You can also browse alloys and browse tyres first. Manchester Alloys, 2 Middleton Road, Crumpsall, Manchester M8 5DS.

Reviewed by

Casey Jones

Forged wheel and performance car specialist · 6 years hands-on

First-in-the-world fitments on the new-shape Alfa Romeo Giulia Quadrifoglio, BMW XM, and Citroen Ami. Thousands of wheels and tyres personally sold and physically fitted across performance, luxury, and classic vehicles. Every article on this site is reviewed against real workshop experience.