1. A method, comprising: receiving a starting interest rate and a maximum interest rate for an interest-paying (IP) item at a computer, the maximum interest rate being identified by a seller as a highest interest rate that the seller pays a buyer, the receiving done at least in part using one or more processors that are included in one or more computer systems that respectively include a set of instructions causing the one or more computers systems to perform the receiving; publishing the IP item for sale at the starting interest rate at a first computer, the publishing done at least in part using one or more processors; initiating a declining auction and receiving at least one bid in the declining auction for the IP item; terminating the declining auction based on a predetermined period of time, the predetermined period of time being identified based on a selling price of a plurality of IP items in other declining auctions; identifying one or more bids that respectively include an interest rate that is lower than the maximum interest rate; and selecting a lowest interest rate bid from the one or more bids as a winning bid.