Financing
In-house financing only
Financing, funded
by the lien holder.
Every Hi Auto Solutions listing is financed directly by the US lien holder who owns the asset. No banks, no third-party lenders, and — crucially — no credit check that affects your credit score. If you're approved, the plan is agreed with you before you bid.
How it works
Three steps to fund
your winning bid.
The lien holder makes the finance decision — not us, not a bank. You apply, they approve, we deliver. Simple as that.
Apply
Complete a short application on our /apply-finance page. We pass it directly to the lien holder who funds the asset. No banks, no credit check that affects your score.
Get approved
The lien holder reviews your application and agrees a payment plan with you directly. Terms, down payment and schedule are confirmed in writing before you bid.
Bid & win
With finance approved, you can bid on any eligible listing. If you win, the lien holder funds the purchase and we arrange delivery to your location.
How
Why
Why finance in-house
No banks. No credit score.
Just the lien holder.
In-house financing from the lien holder removes the middle layer that slows every other finance route. No credit bureau pulls, no 30-day approvals, no surprise rates.
No credit score impact
The lien holder does not perform a hard credit inquiry. Applying for in-house financing will not affect your credit score.
No third-party lenders
You never deal with a bank or a broker. The lien holder funds the purchase directly and agrees the plan with you in writing.
Fast, direct approval
Because the lien holder is the decision-maker, approvals don't wait on external review boards. You get a clear answer, in writing, before you bid.
Terms tailored to you
Down payment, plan length and repayment schedule are agreed with you directly — not squeezed into a bank's one-size-fits-all product.
Eligibility
What you need
before applying.
In-house financing is simple — but it isn't for everyone. Four things you need to have in place before the lien holder can approve your application.
Registered account
An active Hi Auto Solutions LLC account, verified with valid ID or a company registration number. Finance approval is tied to your account.
Confirmed delivery location
A confirmed delivery location in the US, Canada or Mexico where the asset will be received and offloaded on arrival.
Down payment ready
The agreed down payment is set out in your plan and confirmed with the lien holder before any bid can be placed.
Terms accepted
Both your financing terms and the auction terms must be accepted before a bid can go live. No exceptions.