Buy now, pay later
Buy vehicles immediately – flexible payment within 120 days or fixed payment after 30, 60 or 90 days.
Here's how it works
Click on a step for more details.
Step 1
Request a free activation
Under "My Purchases," click the "Unlock Now" button
Our payment service provider will perform a completely impartial check of your company information in just a few moments
Once the verification is complete, the service will be active in your account under "My Purchases"
Important: Requirements include at least three successfully paid for and picked up vehicles, the company must be based in Germany, Austria, or Poland and a completed activation for "Buy Now, Pay Later."
Step 2
Win the auction & choose your payment terms
Once the bid is accepted, the "Pay Later" option will appear under "My Purchases" for eligible auctions
Here, simply select the payment period for your booking:
30 days – ideal for quick turnaround
60 days – plenty of time to resell
90 days – maximum flexibility for larger inventories
Pay Flex – no fixed term: Payment at the earliest after 20 days, at the latest after 120 days
With Pay Flex, you pay when it suits you. Instead of a fixed fee at the time of purchase, small daily charges apply as long as the payment is still outstanding.
Note: By the way, all fees are clearly displayed before you book. No hidden costs.
Step 3
Confirm booking
Our payment service provider reviews your request and your available limit in real time
The test is completed in just a few moments
If your application is accepted, you will receive a binding confirmation
Note: If your offer is rejected, you pay for the vehicle directly through CarOnSale as usual.
Step 4
Pick up the vehicle & pay
The vehicle will be released for pickup immediately after the "Pay Later" booking is made
You will pay directly to our payment service provider within the timeframe you have selected
Once payment is received, the vehicle documents will be shipped as soon as possible
PAY FLEX
With Pay Flex, you will receive the regular invoice for your vehicle purchase as usual.
In addition, small daily costs are incurred as long as the payment is still outstanding – collected once a month in a single invoice sent by email.
The costs will run for a minimum of 20 and a maximum of 120 days – after which there will be no further costs for this purchase.
They are using their financing limit as usual.
Note: We will securely hold the vehicle documents until full payment has been received.
Flexible – tailored to your cash flow. By the way, all fees are clearly displayed before you book. No hidden costs.
30 days
Ideal for quick resales
POPULAR
60 days
Enough time to resell
90 days
Maximum flexibility for larger inventories
NEW
Pay Flex
Pay flexibly between 20 and 120 days – you decide when it suits you.
A transparent process from invoicing to document delivery.
Invoice with payment due date
You will receive an invoice specifying the exact payment due date and the payment service provider's details.
Vehicle documents kept safe
We will securely hold all vehicle documents until full payment has been received.
Fast processing
As soon as the service provider receives payment, the documents will be sent out immediately.
PAY FLEX
Pay Flex, payment in daily installments
As usual, you will receive an invoice for the vehicle purchase, detailing the vehicle price and platform fees. Pay Flex incurs small daily charges while the payment is still outstanding.
PAY FLEX
Monthly consolidated invoice
Once a month you will receive a consolidated invoice by email with a payment request for all Pay Flex fees incurred up to that point, which you pay to our payment service provider.
PAY FLEX
End of fee billing
You pay the vehicle price and platform fee to our financing provider as shown on the payment request. The daily payment stops automatically, and you receive your vehicle documents. You can use the financing for a maximum of 120 days.
Clear payment flow, full transparency.
STEP 1
Payment by service provider
When a booking is made, the payment service provider pays the purchase price directly to CarOnSale.
STEP 2
Your payment to the service provider
Your payment always goes to our partner payment service provider.
STEP 3
Approved by CarOnSale
Once payment is received, CarOnSale confirms the transaction and releases the vehicle documents.
Note: The payment request contains all the important payment information from the service provider.
Simple requirements to get started.
Registered car dealer on CarOnSale
At least three vehicles that have been successfully paid for and picked up
Verification of company information with the payment service provider
Everything you need to know at a glance.
What is "Buy Now, Pay Later," and what are the benefits for me as a buyer?
"Buy now, pay later" lets you purchase vehicles right away and conveniently settle the bill later. You’ll enjoy greater flexibility and be able to manage your cash flow more effectively.
Who is eligible for "Buy Now, Pay Later"?
This feature is available to registered buyers on CarOnSale who have successfully paid for and picked up at least three vehicles and whose company is registered in Germany, Austria, or Poland.
Can I finance all vehicles through "Buy Now, Pay Later"?
Not all vehicles are eligible for "Buy Now, Pay Later" financing. You can see whether a vehicle is eligible for financing directly on the vehicle's details page before the auction ends. We have expanded this service for Austrian buyers. Currently, only vehicles subject to differential taxation are eligible for financing.
How do I activate "Buy Now, Pay Later"?
In your account, go to "My Purchases" and click "Activate Now." Our payment service provider will verify your business information in just a few minutes—no additional documents required. Once activated, the feature is available immediately, and your limit will typically be updated within 24 hours.
What happens if my activation request is denied?
There may be various reasons for a rejection—including your company’s current credit rating or the fact that our payment service provider was unable to recognize your company. You can obtain detailed information directly from our payment service provider. You can continue to pay for vehicles directly through CarOnSale as usual. After 6 weeks, the activation link will reappear, and you can start the activation process again.
How do I select "Buy Now, Pay Later" after winning an auction?
Once you’ve won an auction, the “Buy Now, Pay Later” option will appear directly under “My Purchases” as a payment option. Select your preferred payment term (30, 60, or 90 days) and confirm the transaction. All applicable fees are clearly displayed before confirmation—no hidden costs.
What happens if my booking request is denied after I've made the purchase?
If a single transaction is declined, you can pay for the vehicle directly through CarOnSale as usual. The decline may be due to, among other things, an insufficient available credit limit, a change in credit rating, or outstanding payments to our payment service provider.
Is there a limit on "Buy now, pay later"?
Yes, our payment service provider sets a personal limit for you based on regular reviews. The more reliably you make your payments, the higher your limit can become. You can view your current credit limit at any time under "My Purchases."
How much does "Buy Now, Pay Later" cost, and how are the fees calculated?
Fees vary depending on the payment term you choose (30, 60, or 90 days) and the value of the vehicle. All applicable costs are clearly displayed before you confirm your booking—there are no hidden fees. You’ll see the exact amount before you make a binding decision.
When will I receive the vehicle documents?
We will securely hold onto the vehicle documents until we have received full and correct payment (amount and payment reference) from you via the payment service provider. Once payment is received, the documents will be sent to you immediately. You can find the payment details on the payment request.
What happens if I don't meet the payment deadline, and can I extend it?
Late payments will result in additional fees (late payment fees) charged by our payment service provider. It is currently not possible to extend the selected payment term retroactively. We therefore recommend that you choose your payment term carefully and make payments on time.
Who should I contact if I have questions about my bill or my credit limit?
If you have any questions about your invoice, your personal limit, or your payment status, please contact our payment service provider directly. You can find their contact information in your booking confirmation. For all other questions, the CarOnSale support team is available to assist you at any time.
What is Pay Flex?
Pay Flex is a flexible payment option with "Buy Now, Pay Later". Instead of a fixed payment period of 30, 60, or 90 days, you pay when it suits you—no sooner than 20 days and no later than 120 days. You will receive an invoice for your vehicle purchase as usual; however, small daily charges will apply while your payment is outstanding.
How long can I use Pay Flex?
You can defer your payment flexibly for between 20 and 120 days. The costs will run for a maximum of 120 days.
How does the billing process work with Pay Flex?
As usual, you will receive an invoice for your vehicle purchase, which includes the vehicle price and any platform usage fees. In addition, small daily charges for Pay Flex will apply while your payment is outstanding. Once a month, we will summarize these charges in a single invoice, which you will receive by email. Payment will be made against your existing financing limit.
