Overview
Payment timing depends on whether your car is fully owned or has a loan/lease — and whether your buyer is a franchise or independent dealer.
Key points
If your car is fully owned (title in hand):
You’ll be paid on the spot at drop-off.
The dealer transfers the full purchase amount directly to you.
If you have a loan:
Franchise dealers: They send the payoff to your bank right the way. Once the bank clears it and releases the title (7–10 business days), you’ll receive your equity check if you’re owed money.
Independent dealers: They can often pay your equity on the spot at drop-off, while still sending your payoff directly to the bank in the background.
If you have negative equity (owe more than your car is worth):
You must cover the difference at the time of sale.
Dealers may accept a credit card, but there are no payment plans.
Support
💡 A Bidbus rep is always available by text or email to walk you through your exact payment timeline. Don’t forget to save our contact.
In short
Fully owned car: Paid instantly.
Loan + franchise dealer: Equity check after 7–10 business days.
Loan + independent dealer: Equity paid on the spot.
Negative equity: Difference due at sale.