Fully online used-car buying with built-in financing — inventory and loan in one place.
Get started at Carvana / Bridgecrest → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Borrowers buying a used vehicle entirely online who want financing and inventory bundled with no dealership visit.
Carvana Auto Financing — Fully online used-car buying with built-in financing — inventory and loan in one place. Best for: Borrowers buying a used vehicle entirely online who want financing and inventory bundled with no dealership visit.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Carvana allows buyers to return a purchased vehicle within 7 days of delivery for any reason. The vehicle must be returned in the same condition and within the mileage limit specified in Carvana's return terms. Financing unwinds with the return. Verify the current return policy terms and conditions at carvana.com — terms may vary by state.
Carvana's built-in financing is provided by Bridgecrest — Carvana's affiliated auto loan servicer. Bridgecrest originates and services the loan. Because both the car dealer and the lender are affiliates of the same company, there is no third-party lender competition within the Carvana platform. If you want to compare rates, bring an outside pre-approval before buying through Carvana.
No. ClearValue Lending is a small business funding platform — not a lender, broker, or financial advisor. This review presents publicly available editorial information about Carvana's auto financing. Auto loans through this product are originated by Bridgecrest. Rates, fees, eligibility, and terms are determined solely by Bridgecrest. Verify current terms at carvana.com.
Yes. Carvana allows buyers to bring a pre-approval from a bank, credit union, or other direct lender instead of using Carvana's built-in Bridgecrest financing. Comparing your outside pre-approval against Carvana's quoted rate before accepting is a straightforward way to make sure you get the best offer. Carvana's vehicle inventory, 7-day return policy, and delivery service remain available regardless of which financing source you use. Verify current outside-financing policies at carvana.com.
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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