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Pay Over Time

Qualifying items are clearly marked in the auction listing with “0% FINANCING AVAILABLE.”

No. This is an in-house installment payment plan offered directly by U.S. Auction Online. There are no credit checks, no applications, and no third-party lenders involved.

Yes. This installment plan carries no interest, provided all payments are made in full and on time according to the agreed schedule. The total amount paid equals your winning bid, buyer’s premium, shipping, and applicable taxes—nothing more.

Failure to make a scheduled payment when due will constitute default. In the event of default, U.S. Auction Online reserves the right to cancel the installment agreement, retain all payments made to date, relist the item, and pursue any additional remedies available under our auction Terms & Conditions.

Title and possession of the item will not transfer to the buyer until payment in full has been received and cleared. The item will be released for shipment once the full balance has been paid.

Email our Customer Support team at support@usauctiononline.com within 2 calendar days of your winning bid to request the in-house financing option. You will receive a confirmation with your payment schedule and next steps.

Payment methods follow the requirements of the specific lot. If a lot is designated as wire transfer only, all installment payments must be made by wire transfer unless otherwise approved in writing by U.S. Auction Online. Payment instructions will be included in your installment agreement email. If an item is not designated as wire transfer only, installment payments may be made by credit card or PayPal in addition to wire transfer.

No. The initial 25% deposit is non-refundable. In the event of cancellation, non-payment, or default, it will be retained by U.S. Auction Online as liquidated damages and a restocking fee.