Online used-car buying with built-in financing for a wide range of credit profiles.
Get started at Carvana / Bridgecrest → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Sub-660 FICO borrowers who want a fully online car-buying experience with instant financing decisions.
Carvana — Online used-car buying with built-in financing for a wide range of credit profiles. Best for: Sub-660 FICO borrowers who want a fully online car-buying experience with instant financing decisions.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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