HOW FIRETERMS WORKS
Cash when you want it. Terms when it helps.
FireTerms is a nationwide marketplace that starts with listings near your ZIP code. Make cash offers on items including vehicles, or propose payment terms where they are available. Payment plans are currently limited by location and category.
List it
Add photos, item details, location, and your asking price. Cash-only listings are free.
Choose terms
Buyers can propose a price, down payment, weekly, every-two-weeks, or monthly payments, and a first payment date. The seller chooses whether to accept a buyer and carries repayment risk.
Make the deal
Either person can accept, decline, or counter the latest proposal. Both can review the accepted terms and message about pickup. Accepting an offer does not sign a contract or collect money.
Later: FireTerms checkout
Cash and payment-plan deals are designed to use the same FireTerms checkout and seller payout experience. Payment processing and signing are not active in this test. Payment plans require separate processor approval and a final agreement.
Identity checks before trading
Our planned launch requires identity verification for sellers before publishing and buyers before submitting an offer or entering a deal. Browsing stays open. Verification is not active in this development preview.
Read the identity verification plan →What FireTerms does not do
FireTerms does not approve or decline the buyer.
The seller decides whether the repayment risk is worth taking.
If a buyer and seller complete a cash-only deal themselves, FireTerms does not take a cut.