Carvana Auto Loans: Car & Cash in One Digital Place

Carvana Auto Loans offer a modern, end-to-end digital car buying experience—prequalify quickly, shop online, finalize financing, and deliver with ease. 

Looking for a truly digital car-buying experience? Carvana Auto Loans lets you browse, finance, and take delivery—all without leaving your couch. As both dealer and direct lender, Carvana simplifies the process: prequalification, pricing, purchase, and delivery through a single online platform  . Think of it as your car-financing buddy who gives you full transparency and flexibility—no deal-haggling required.

🚗 Why Carvana’s Auto Loans Are a Great Fit

• Prequalify with zero credit impact
  Start with soft pull, see your estimated rate and monthly payment—without hurting your credit score  
• No minimum credit score
  You’re eligible as long as you’re 18+, make at least $5,100/year, and have no active bankruptcies. That makes it more inclusive  
• Fully integrated platform
  There’s no separate loan application later—you finance what you add to your cart and choose your delivery or pickup options  
• Seven-day “test drive” return and warranty
  If the car doesn’t work out, return it within seven days/400 miles. Plus, a free 100-day/4,189-mile limited warranty comes standard  
• 30- to 45-day rate lock
  Your prequalified rates stay valid for weeks, giving you time to shop and decide  

💡 What You Need to Know Before You Apply

• Used cars only, sold by Carvana—no option for private-party or traditional dealer purchases  
• Not available everywhere
  Carvana operates in all mainland US states, but excludes Alaska, Hawaii, and other territories  
• Interest rates can run high
  Carvana offers financing even without strong credit—but expect higher APRs than credit unions or banks in some cases  
• Funding and delivery windows vary
  Financing and delivery timelines vary—especially in busy or remote areas  

📝 Step-by-Step: How to Finance a Car with Carvana

1. Browse inventory online
   Explore thousands of used vehicles with clear listings, pricing, and estimated monthly payments.
2. Prequalify for financing
   Enter income, employment details, and soft-pull credit check to see your options.
3. Pick your ride and finalize loan
   Add it to your cart, view APR and financing terms, then apply and complete the hard credit pull.
4. Choose delivery or Vending Machine pickup
   Customize your experience: doorstep delivery or pick-up from one of Carvana’s vending sites.
5. Enjoy your 7-day/400-mile return
   Decide if it’s the right fit. If not, return it hassle-free within the trial period.
6. Enjoy coverage and support
   Your vehicle arrives with a limited warranty, and you manage payments via Carvana’s app or website.

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