Buyer Benefit

Complimentary nationwide delivery · Included on every auction through August 1st

Payment & Returns

Effective Date: June 20, 2026  |  Last Updated: June 20, 2026

We know that buying a vehicle online — sight-unseen, before it arrives at your door — takes a leap of trust. That's why we've built our payment and return process to be as transparent and buyer-friendly as possible. Below you'll find exactly how payment works, when your vehicle ships, and how our 5-day return policy protects you if things don't work out.
🤝

We're on your side

Every vehicle is repo inventory, personally inspected by our team with a verified clear title — and backed by a no-questions-asked 5-day return window after delivery.

No buyer's premiums No hidden platform fees 5-day return window Insured during inspection Clear title verified

1. How Payment Works

When you win an auction, you'll receive an invoice from our team with full payment instructions. Payment is made directly to TwoTraderAuctions LLC's company bank account by bank transfer. Once your payment is received and confirmed, we begin coordinating delivery of your vehicle.

Why we do it this way: Holding payment securely with us until you've received and accepted your vehicle lets us guarantee our 5-day return window — your money isn't released to the originating bank or institution until after your inspection period is complete (or you confirm you're keeping the vehicle).

2. Accepted Payment Method

At this time, we accept payment exclusively by bank transfer (wire transfer) to our company account. This keeps transactions secure, traceable, and free of the extra processing fees that come with other payment methods — savings we pass on to you in the form of no buyer's premiums.

Bank details will be provided on your official invoice after you win an auction. For your security, we will never ask you to send payment to a personal account or to any account not listed on your official TwoTraderAuctions invoice.

3. Payments Over $30,000

For purchases above $30,000, we offer the flexibility to split payment into two installments:

1

First Installment

Typically around half the purchase price, due to confirm your win and begin processing.

2

Title Processing

We finalize paperwork and clearance with the originating bank/institution.

3

Final Installment

The remaining balance is due once bank/title paperwork is fully cleared.

4

Vehicle Ships

Delivery is scheduled only once payment in full has been received.

Important: Regardless of payment structure, a vehicle never leaves for delivery until payment has been received in full. This protects both you and TwoTraderAuctions, and ensures every transaction is fully documented before a vehicle changes hands.

4. What Happens Before Your Vehicle Ships

  • Your payment is received and confirmed in full;
  • Our team finalizes title transfer paperwork with the originating bank or institution;
  • Delivery logistics are scheduled and shared with you, including estimated arrival timing;
  • Your vehicle is shipped, fully insured, to your delivery address.

5. Our 5-Day Return Policy

Once your vehicle is delivered, the clock starts on your 5-day inspection period. This is your chance to drive it, look it over, and make sure it's the right fit — and if it isn't, for any reason, you can return it.

What you can doDetails
Inspect & driveTake the vehicle out, check it over, get comfortable with your purchase.
Change your mindDon't love it? You can return it for any reason within the 5-day window.
Stay insuredThe vehicle remains fully insured by TwoTraderAuctions for the entire 5-day period.

We're not strict about this — we want you to feel genuinely confident in your purchase. The goal of this policy is to take the risk out of buying sight-unseen, not to make returns difficult.

6. How to Start a Return

  1. Contact our Support Center within your 5-day inspection window.
  2. Let us know you'd like to return the vehicle — you don't need to give a detailed reason, though we're always happy to hear feedback.
  3. Our team will arrange pickup logistics and confirm the next steps with you directly.
  4. Once the vehicle is returned and inspected, your refund is processed (see Section 7).

7. Refund Timing

Refunds are processed back to your original payment method within up to 7 business days of us receiving the returned vehicle and completing a brief condition check.

8. What's Not Covered by Returns

To keep this process fair for everyone, a few common-sense exceptions apply:

  • Damage, accidents, or losses caused by the buyer during the inspection period — even though the vehicle remains insured, buyer-caused damage may be deducted from your refund or invoiced separately.
  • Returns requested after the 5-day inspection window has closed.
  • Vehicles not returned in substantially the same condition as delivered (normal test-driving wear is expected and fine).

Outside of these reasonable exceptions, we genuinely want this to be an easy, low-stress process for you.

9. Questions Before You Bid?

If you have questions about a specific listing, payment timing, or how the return process works, don't wait until after you've won — reach out to our Support Center beforehand. We're happy to walk you through anything before you place a bid.

10. Contact Us

Have a question about a payment or want to start a return? We're here to help.

TwoTraderAuctions LLC 320 S. Canal Street
Chicago, IL 60606
United States
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