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What APR should I expect from Carvana in 2026?

Carvana's APR varies widely based on your credit profile, but many buyers report rates between 9% and 17%, even with decent credit. Compare that to the national average for new-car loans around 6-7% and used-car loans around 8-9% through traditional lenders. The gap is where Carvana's profit margin lives.

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