Instant payment is available 9 am - 4 pm, Monday - Friday via e-transfer for most financial institutions. All other payments are made via electronic funds transfer (EFT) and are usually deposited by the next day, although some may take up to three business days depending on your financial institution. You will also have a binding Bill of Sale signed by yourself and Clutch, a confirmation lien amount to be paid off (if applicable), and the remaining amount to be deposited in your bank account. If applicable, payment can take up to 3 weeks to the lien holder.