Flexible Payment Options

Auction Financing Available

Don't let budget stop you from winning the equipment you need. Kiefer Auctioneers connects buyers with flexible financing options — apply in minutes and bid with confidence.

Apply for Financing Talk to Us First

Down Payment Options

24hr

Approval Turnaround

84mo

Max Loan Term

$500+

Minimum Loan Amount

Simple Process

How Auction Financing Works

Pre-qualify before the auction so you can bid without limits.

1. Apply Online

Fill out our simple financing inquiry form below. It takes less than 5 minutes and doesn't affect your credit score for pre-qualification.

2. Get Pre-Qualified

Our lending partners review your application and provide a pre-qualification decision, typically within one business day.

3. Bid With Confidence

Know your budget before you bid. Win your lot and finalize your loan details — our team walks you through the process at checkout.

4. Drive It Home

Once financing is finalized and payment is processed, the item is yours. Arrange pickup within the designated removal window and you're done.

Your Options

Financing Plans

We work with lending partners to offer multiple financing structures for auction buyers.

Equipment & Machinery

Low APR rates

Purpose-built for farm equipment, tractors, trailers, and commercial machinery purchased at auction.

Terms up to 84 months

New & used equipment eligible

$500 minimum loan

Fixed monthly payments

Apply Now

Vehicle & Truck Financing

Flexible terms

Finance your winning truck, SUV, or commercial vehicle purchase. Works with auction vehicles including as-is condition.

Cars, trucks, SUVs, and vans

Multiple lenders — best rate wins

Down payment options available

All credit types considered

Apply Now

Commercial & Business

Custom structures

Business purchases, fleet vehicles, and commercial equipment qualify for business financing with competitive terms.

Section 179 tax deduction eligible

Fleet & multi-unit financing

Business or personal guarantee

Leasing options available

Apply Now

Get Started

Apply for Financing

Tell us what you're looking to purchase and we'll connect you with the right lending partner for your situation.

Questions

Financing FAQs

Can I get financing if I have bad credit?

We work with multiple lending partners and consider all credit types. While terms may vary, we encourage everyone to apply — our goal is to find a solution that works for your situation.

When do I need to be pre-approved — before or after the auction?

We strongly recommend applying before the auction so you know your budget and can bid with confidence. That said, post-auction financing inquiries are accepted — just contact us immediately after you win a lot.

Does applying affect my credit score?

Pre-qualification typically uses a soft credit pull, which does not affect your score. A full application for final loan approval may involve a hard inquiry, which your lending partner will disclose before proceeding.

Can I finance multiple items from one auction?

Yes, depending on your approval amount and loan structure. Contact us to discuss financing multiple lots — we'll work with our partners to structure the best solution for you.

What happens if my financing falls through after I win a bid?

All bids at auction are binding. If financing does not go through, full payment is still required according to our auction terms. This is why we recommend pre-qualifying before bidding.

Still have questions about financing?