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Feb 17th, 2026

Is Carvana Trustworthy? What Sellers Complain About and How to Protect Yourself

Carvana is fast and convenient. But for NJ sellers, one offer is rarely the best offer.

Essential Takeaways

  • Carvana's online offer is convenient but conditional. It can be reduced at pickup if the inspector finds condition issues not reflected in your initial submission.
  • One buyer means one offer. Carvana does not compete against itself, which means sellers often leave money on the table compared to what multiple competing buyers would pay.
  • Payoff and title delays are Carvana's most documented operational complaint, including a settlement with the Connecticut Attorney General related to hundreds of consumer complaints.
  • Before accepting any single offer, get at least one competing bid. The difference is frequently hundreds to several thousand dollars.
  • A broker like Vantage brings your car to multiple buyers simultaneously so they compete, which typically produces a higher number than any single-buyer process.

How Carvana Works When You Sell a Car

The process is simple on paper. You go to Carvana's website, enter your VIN, answer questions about mileage and condition, and get an offer in a few minutes. If you accept, Carvana schedules a pickup at your location, does a quick inspection, finalizes the paperwork, and sends payment. The whole thing can theoretically be done in a day or two without leaving home.

That is a real advantage over the traditional process of driving to three dealers and spending an afternoon. For sellers whose primary goal is speed and simplicity, Carvana delivers on that promise most of the time. The question is whether "simple" also means "best price" and "smooth from start to finish." The answer is more complicated.

What Sellers Genuinely Like About Carvana

Before getting into the complaints, it is worth being fair. Carvana has completed millions of transactions. Many sellers have had fast, straightforward experiences. The reasons sellers choose Carvana are legitimate:

  • Instant offer with no appointment: You get a number in minutes, not days.
  • Free pickup from your driveway: No need to arrange a ride after you hand over the keys.
  • No haggling: The offer is the offer. Some sellers prefer this to dealer negotiation games.
  • Payoff handling: If you owe money on the car, Carvana coordinates directly with your lender to pay it off.
  • Nationwide coverage: Carvana operates in most major markets, which is useful if you live far from dealerships.

These advantages are real. The issue is not that Carvana is a bad option. The issue is whether it is the best option for your specific car and situation, and whether you know what to watch for before you commit.

The Five Most Common Seller Complaints

1. The Offer Drops After Inspection

This is the most frequently reported surprise. Carvana's online offer is based on the information you provide about your car's condition. When the inspector arrives for pickup, they do their own assessment. If they identify issues you did not disclose, or if they weigh condition factors differently, the offer can drop before you finalize the sale.

You can walk away at that point. But if you have already made logistical plans around the sale or arranged your next car purchase, being told the offer is now lower at pickup is genuinely disruptive. The protection: photograph every panel, every scratch, and every interior surface before the inspection. Document condition accurately in your initial submission. And ask Carvana directly, in writing, what conditions would cause the offer to be adjusted before you schedule the pickup.

2. The Initial Number Is Often Below What Multiple Buyers Would Pay

Carvana is one buyer. A single buyer makes an offer that works for them. It is not designed to be the highest possible offer the market would produce; it is designed to be an offer Carvana finds profitable. When sellers take Carvana's number to other buyers (CarMax, regional dealers, broker services), they often find the Carvana offer is at the lower end of the range. The spread is not always dramatic, but it is frequently several hundred dollars and sometimes several thousand. One offer is a floor, not a ceiling.

3. Paperwork, Title, and Payoff Timing Delays

Title and registration handling has been Carvana's most documented operational problem. According to the Connecticut Attorney General's office, a settlement was reached with Carvana related to consumer complaints about delays in title transfers and registration processing, covering hundreds of transactions. Similar complaint patterns have been documented in other states through consumer protection filings and Better Business Bureau reports. If your car has a lien, if the title is in another state, or if there is anything non-standard about ownership, build in extra time and get explicit written confirmation from Carvana about the expected payoff timeline before finalizing.

4. Payment Takes Longer Than Sellers Expect

Carvana issues payment after the pickup and inspection. This typically comes as a check or electronic transfer, and the timing can vary from the same day to more than a week, particularly when a lender payoff is involved. Sellers who expected next-day payment have reported waiting significantly longer, especially when the payoff process requires coordination with the lender. Before you sell, confirm the exact payment timeline in writing and ask what happens if the lender payoff takes longer than Carvana's initial estimate.

5. Getting Answers When Something Goes Wrong

Carvana's customer support is large-scale and primarily digital. When transactions go smoothly, this works fine. When something delays or goes wrong, sellers report difficulty getting a specific person assigned to their case who can actually resolve the issue. This is a common pattern with high-volume online companies, but it matters more in a car sale than in most consumer transactions because the amounts involved are significant and the timeline is real. If you sell through Carvana, document every step in writing and keep records of every communication.

Seller Checklist: How to Protect Yourself

If you decide Carvana is the right fit, here is what to do before handing over the keys:

  • Get at least one competing offer from another buyer first. This tells you whether Carvana's number is strong or weak before you commit.
  • Photograph every part of the car before inspection: every panel, every interior surface, any existing damage. Date-stamp the photos.
  • Ask in writing what inspection findings would reduce the offer. Get a specific answer, not a general policy statement.
  • Confirm your payoff amount directly with your lender the day before pickup. Discrepancies between what Carvana expects and what your lender requires cause delays.
  • Ask for the expected payment timeline in writing and what happens if the lender payoff takes longer than Carvana's estimate.
  • Do not cancel your insurance or return your plates until you have confirmed the title transfer is complete and your name is off the vehicle's record.

If You Want the Highest Price: One Offer vs. Competing Offers

The fundamental question when selling a car is not "is this offer good or bad?" It is "what would multiple serious buyers pay if they were competing for my car?" Carvana, CarMax, and most dealers all make a single offer. They do not compete against each other unless you do that work yourself, which most sellers skip because it feels like too much effort.

That is exactly what Vantage does for sellers in New Jersey and the tri-state area. Instead of accepting one number, you start your trade with Vantage and we bring your car to multiple buyers simultaneously. They compete. You take the highest offer. For most sellers, this produces a better result than any single-buyer process, because competition drives better prices than convenience alone.

If you are also shopping for your next vehicle after selling, you can browse available inventory at wholesale prices at the same time. And if you are considering a lease, understanding what credit score you need and how to get the best rate is worth reading before you start that process.

Full Disclosure: How Vantage Works for Sellers

Vantage is a licensed auto broker in New Jersey. We do not buy your car ourselves. We represent your interest as a seller and bring your vehicle to multiple buyers in our network to generate competing offers. There is no buyer fee on the seller side. Depending on the transaction, Vantage may earn a broker fee, which we disclose upfront before you commit to anything.

This works best for sellers with relatively clean situations: clear title, no major undisclosed damage, and a car in reasonable condition. If your car has significant issues, competing bids will reflect that reality, but they will at least give you a true market read rather than one buyer's number.

If you want to find out what competing buyers would pay for your car, start your trade in 5 minutes. No spam. No pressure. Unsubscribe anytime.

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Authors

David Goldstein

President

Sean Ulsaker

Vice President

Pro Tip from Sean

The question I ask every seller who calls after already accepting a Carvana offer is: did you get a second opinion? Most say no, because Carvana felt easy. Easy and best are not the same thing. I have seen sellers leave $2,000 to $4,000 on the table because they took the first number that came in. Getting competing offers takes about 5 minutes of your time. That is a very good return on 5 minutes.

About Vantage Auto Group

We're licensed auto brokers who help customers nationwide skip the dealership and save over $2,000 on their next car. Unlike dealers who work for themselves, we work for you. Shopping 350+ dealers to find wholesale pricing the public can't access. Every deal includes:

  • $2,500 Total Loss Protection
  • Free nationwide delivery
  • Zero dealership visits

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Frequently Asked Questions

Carvana's initial offer is based on the information you provide online and is conditional on a physical inspection at pickup. If the inspector finds condition issues not reflected in your original submission, the offer may be reduced. You can walk away at that point, but the disruption is real if you have already made other plans around the sale. The best protection is to photograph everything before pickup and ask Carvana in writing what specific findings would change the offer before you schedule.

Carvana typically issues payment after pickup and paperwork finalization, which can range from the same day to more than a week depending on whether a lender payoff is involved. If you still owe money on the car, payment to you often comes after Carvana has coordinated with your lender, which adds time. Ask for the specific payment timeline in writing before you confirm the pickup date, and confirm what happens if the lender payoff takes longer than expected.

Carvana does not negotiate in the traditional sense. They make an offer, and you accept or decline. You can submit additional documentation like service records or recent comparable sales and ask if that changes their assessment, but there is no back-and-forth price negotiation. The most effective way to get a better number is not to negotiate with Carvana but to get competing offers from other buyers and use those to make a more informed decision.

Carvana is a legitimate, publicly traded company that has completed millions of car purchases. It is not a scam. The concerns sellers have are operational: conditional offers, title handling delays, and customer support gaps when problems arise. Understanding these issues before you sell, and following a seller checklist, significantly reduces the chance of a frustrating experience. Getting at least one competing offer before committing is the single best thing you can do.

Get at least one or two competing offers from other buyers before deciding. CarMax, regional dealers, and broker services like Vantage will all generate different numbers for the same car. If Carvana's offer is at the low end of the range, you know that. If it is competitive, you can accept with confidence. Either way, you make a better-informed decision. Never accept the first number without knowing what the second number would have been.

Title delays are one of Carvana's most documented issues, including a settlement with the Connecticut Attorney General's office. If your car has a lien, confirm your exact payoff amount with your lender before pickup, ask Carvana in writing when your lender will receive the payoff funds, and follow up until you have confirmation that the title has transferred. Keep your plates and do not cancel your insurance until the transfer is complete. If delays are significant, your state's consumer protection office is a resource.

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