I hate to say this but if you have to finance rims, you shouldn't be doing the car thing. Getting atrocious payment plans on something you don't need w/ a high risk of getting stolen is somewhat counterproductive. If you can't buy it on a credit card and pay it off the next month, then the interest rates you'll incur will just further reduce your buying power in the future. These financing plans are for people with destroyed/no credit so they'll probably be in the 20% range or as high as the state will let them charge.

Shop ebay...buy used. Hell we sold a set of well maintained 5Zigen Fireball 17's off our Integra with 3 good tires for $300 since no one was interested in them for such a long time. Probably should have held out for more but we were just tired of them cluttering up the shop.