Pay As We Build

FMB Wheels LLC · FMB Build Plan · Last updated November 7, 2026

Pay As We Build (the FMB Build Plan) lets you put 50% down and pay the rest every two weeks while we build your set. There is no loan, no interest and no credit check. Your wheels ship once your set is paid in full. The plan is available on every FMB build.

1.How It Works

Spec your set. Choose your design, size, offset and finish, then pick a 3, 4, 5 or 6-payment plan. Your 50% deposit locks in your build and starts production.
We build, you pay. The rest is charged automatically every two weeks to your card on file, the same rhythm as most paychecks, while your set moves through spec approval, CNC machining and finishing.
Paid off, shipped out. Once your final payment clears, your wheels ship.

2.Plans & Example Payments

The deposit is 50% of your set price, before any plan fee. Example for a $3,000 set:

	3 Payments	4 Payments	5 Payments	6 Payments
Deposit	$1,500	$1,500	$1,500	$1,500
Then every two weeks	2 × $750	3 × $600	4 × $487.50	5 × $420
Plan fee	None	$300	$450	$600
Plan total	$3,000	$3,300	$3,450	$3,600
Estimated delivery	6–7 weeks	7–8 weeks	About 9 weeks	About 11 weeks

Your exact payments are set when you spec your build. Plan fees are not interest.

3.Plan Fees

The 3-payment plan has no fee. The 4, 5 and 6-payment plans run longer than the build itself, so we receive, store and reship your finished wheels ourselves. Their fees ($300, $450 and $600) cover that freight and handling.

4.When Your Wheels Ship

Your wheels ship only after your final payment has cleared. If your set is finished before then, we hold it until the balance is paid. Paying early can move up your ship date.

5.Paying Early

You can pay off your balance at any time. Plan fees are not reduced for early payment.

6.Missed Payments

You have a 7-day grace period after a scheduled payment. After that, your build pauses and your ship date moves back. If a payment is more than 30 days late, the order is cancelled under Section 7.

7.Cancellations & Refunds

Build Plan payments are non-refundable. Every set is machined to your car’s exact hub, bolt pattern and offset. If you stop paying or cancel, payments made, including the deposit and any plan fee, are forfeited and the wheels are not shipped or released.

8.Pay As We Build or Klarna / Affirm?

	Pay As We Build	Klarna or Affirm
Credit check	None	Subject to approval
Interest	Never	Depends on the plan offered
When wheels ship	When paid in full	When your build is finished
Who you pay	FMB Wheels directly	Klarna or Affirm

9.Your Build Plan Agreement

Before your deposit is charged, you’ll receive a short Build Plan Agreement by email to sign electronically. It sets out your payment dates, amounts and plan fee. The agreement and our Terms of Sale govern every Build Plan order.

The FMB Build Plan is a pay-before-delivery plan, not a loan or financing. Questions? Email sales@fmbwheels.com.