Carvana Review 2026

Carvana finances through Bridgecrest, its captive lender. Bridgecrest accepts applications from borrowers with FICO scores as low as approximately 500. Approval at the lowest credit tiers depends on factors beyond the score: vehicle price, loan-to-value ratio, income, and down payment amount. Pre-qualify at Carvana's site to see your actual offer without affecting your credit score.

Subprime APRs through Carvana's Bridgecrest lender can reach approximately 27.9% for the lowest credit tiers. The actual rate depends on your FICO score, income, vehicle value, and loan term. Because Bridgecrest is Carvana's own lender, you don't get competing lender quotes within the Carvana platform — getting a pre-approval from an outside lender (a credit union or Capital One Auto Navigator) before shopping Carvana gives you a benchmark to compare.

Carvana offers a 7-day return policy from the delivery or pickup date. Within that window, you can return the vehicle for any reason. The vehicle must meet Carvana's return condition requirements. The 7-day window applies to the car itself — the financing terms are separate and subject to Bridgecrest's payoff process if you return the vehicle.

Yes — Carvana and Bridgecrest accept co-applicants. Both applicants apply together on a single application, and the combined credit profile is used for underwriting. Adding a co-signer with stronger credit can improve your approval odds and potentially lower your rate, though the co-signer takes on full repayment liability.