Carvana Auto Loans: Buy and Finance in One Place

If you’re looking to buy and finance a used car with ease and transparency, Carvana Auto Loans might be your best move. 

Shopping for a car used to mean hopping from dealership to dealership, negotiating prices, and juggling loan offers. Carvana changes that. With Carvana Auto Loans, you can shop, finance, and complete the purchase of your next car entirely online. No sales pressure. No awkward back-and-forth. Just smart tools and real options at your fingertips.

Carvana puts you in control. From instant pre-qualification to home delivery and a 7-day money-back guarantee, you’re empowered to find the car that fits your life—and finance it in a way that fits your budget. Whether you have perfect credit or you’re rebuilding, Carvana works to match you with a financing solution that makes sense.

Why Carvana Stands Out

• Totally online experience – No dealership visits. No waiting in line.
• Soft credit check pre-qualification – See your options without affecting your score.
• Available to many credit profiles – From strong to challenged credit, offers may still be available.
• Straightforward pricing – What you see is what you get—no haggling required.
• 7-day test ownership – Drive the car for a full week. Return it if it’s not right for you.
• Loan offer valid for 30 days – Gives you time to plan or compare.
• Shop and finance in one place – Everything is handled through Carvana, so no outside lender is needed.

Who Should Use Carvana Auto Loans?

Carvana is a great fit for drivers who:

✅ Prefer to shop and finance entirely online

✅ Want a stress-free experience without haggling

✅ Appreciate a return policy that lets them test the car in real life

✅ Don’t want to deal with traditional banks or credit unions

It may not be right for you if:

❌ You want to buy from a private seller

❌ You’re looking for the absolute lowest APR and plan to shop many lenders

❌ You prefer negotiating on price or buying in person

Things to Know Before You Apply

• Only for Carvana inventory – You must purchase and finance a car directly through Carvana.
• Rates vary based on credit – Lower credit may lead to higher interest rates.
• You’ll need to submit documents – Be ready with proof of income and ID.
• Return policy has mileage and time limits – 7 days or 400 miles, whichever comes first.
• Delivery depends on your zip code – In some cases, pickup may be necessary.
• No outside trades or private-party sales – This is an all-in-one Carvana experience.

How to Get a Car with Carvana Auto Loans

1. Pre-qualify online in minutes
   Complete a short form and receive personalized loan terms instantly—with no credit score impact.
2. Browse cars that fit your budget
   Your personalized financing terms appear with every eligible vehicle.
3. Choose your car and upload documents
   Provide the necessary info like proof of income and identification.
4. Finalize your purchase agreement
   Review your terms, accept the loan, and sign everything electronically.
5. Schedule delivery or pick-up
   Have your new ride brought to your home or pick it up at a Carvana location.
6. Take it for a 7-day spin
   Drive your new car like it’s yours—and if it’s not the right fit, return or exchange it.
7. Keep the car and manage your loan
   Make monthly payments online and enjoy your new vehicle with peace of mind.