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Why is Carvana's interest rate so much higher than my bank?

Carvana operates as a finance intermediary. They secure a base rate from their lending partners and then mark it up before passing it to you. That spread is a significant revenue source for the company. Banks and credit unions, by contrast, lend directly and typically offer lower rates because they are not adding an intermediary markup.

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✓ When to lease vs. buy
✓ Hidden fees to watch for
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✓ Current manufacturer incentives

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What Our Customers Say

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David Alesso made the impossible happen! My family grew & my SUV got very small FAST but I still had a year left on my lease. This was my 2nd time using Vantage Auto Group & David worked a miracle! Yet again, everything was very seamless & easy & my Telluride was delivered right to my door!

David Alesso made the impossible happen! My family grew & my SUV got very small FAST but I still had a year left on my lease. This was my 2nd time using Vantage Auto Group & David worked a miracle! Yet again, everything was very seamless & easy & my Telluride was delivered right to my door!

Jennifer Silver

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Charlie is the man! We’re so happy with our experience. Charlie went above and beyond to make sure we got exactly what we wanted... a 2025 black on black stick Jeep that’s absolutely perfect. He put in the extra effort to get the deal done and made the whole process smooth from start to finish. You can tell he genuinely cares about his customers. Highly recommend Charlie and the team if you want someone who’ll really go to bat for you.

Charlie is the man! We’re so happy with our experience. Charlie went above and beyond to make sure we got exactly what we wanted... a 2025 black on black stick Jeep that’s absolutely perfect. He put in the extra effort to get the deal done and made the whole process smooth from start to finish. You can tell he genuinely cares about his customers. Highly recommend Charlie and the team if you want someone who’ll really go to bat for you.

Anthony Sicoli

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We purchased a 2026 Volvo through the Vantage Group. From the first contact with David every interaction was done with the utmost professionalism. David kept us up to date during our search which involved several changes. I thoroughly recommend this group and will tell my friends to take advantage of David and his group.

We purchased a 2026 Volvo through the Vantage Group. From the first contact with David every interaction was done with the utmost professionalism. David kept us up to date during our search which involved several changes. I thoroughly recommend this group and will tell my friends to take advantage of David and his group.

don moscato

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Great customer service! Dave was very responsive and worked hard to find the car we were looking for. His pricing was unbeatable and the vehicle was delivered right to our driveway. There was a small issue with the vehicle from the manufacturer, but Dave and his team have been working hard to rectify it. Goes to show their service doesn’t disappear after delivery, and are committed to developing relationships and making longterm customers.

Great customer service! Dave was very responsive and worked hard to find the car we were looking for. His pricing was unbeatable and the vehicle was delivered right to our driveway. There was a small issue with the vehicle from the manufacturer, but Dave and his team have been working hard to rectify it. Goes to show their service doesn’t disappear after delivery, and are committed to developing relationships and making longterm customers.

Eric A

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Deborah went out of her way to help us and took our needs into account. We are very happy with the car Deborah found for us and thought we would like. . . . and she was right!
Deborah went out of her way to help us and took our needs into account. We are very happy with the car Deborah found for us and thought we would like. . . . and she was right!

B Hirschman

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Stellar service! Found me the car i wanted in 20 minutes and delivered it the next day. David was unbelievably responsive and helpful. The only way to buy a car!

Stellar service! Found me the car i wanted in 20 minutes and delivered it the next day. David was unbelievably responsive and helpful. The only way to buy a car!

Donna N

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We just bought our 3rd car from Dave and his group. They make it so easy not having to go to a dealer, I wouldn't do it any other way. You tell them exactly what you want, they find it, get you a great deal and deliver it.....need I say more!!! Dave is a true professional.

We just bought our 3rd car from Dave and his group. They make it so easy not having to go to a dealer, I wouldn't do it any other way. You tell them exactly what you want, they find it, get you a great deal and deliver it.....need I say more!!! Dave is a true professional.

John Pepe

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Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
First-rate experience with Dave and the team at Vantage. We had several conversations walking through multiple options until we found the perfect fit for my wife. They were incredibly efficient, responsive, and provided true white-glove service.
First-rate experience with Dave and the team at Vantage. We had several conversations walking through multiple options until we found the perfect fit for my wife. They were incredibly efficient, responsive, and provided true white-glove service.

Zach Messing

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My wife and I have been working with Dave and Vantage Auto Group for over 5 years now, across 7 cars for our family, and the experience has been consistently outstanding. Dave is always professional, thorough, and a true advocate for his clients. His persistence and dedication make the process smooth and stress-free, and he takes the time to ensure every detail is handled with care.I’ve personally recommended Dave and Vantage to several friends, and they’ve had the same positive experience. His staff is punctual, cordial, and a pleasure to work with, bringing a level of service that goes far beyond what you’d expect from traditional, impersonal salespeople.Dave and his team truly take it to a new level. If you’re looking for a trusted partner in the car shopping process, I highly recommend Vantage Auto Group.

My wife and I have been working with Dave and Vantage Auto Group for over 5 years now, across 7 cars for our family, and the experience has been consistently outstanding. Dave is always professional, thorough, and a true advocate for his clients. His persistence and dedication make the process smooth and stress-free, and he takes the time to ensure every detail is handled with care.I’ve personally recommended Dave and Vantage to several friends, and they’ve had the same positive experience. His staff is punctual, cordial, and a pleasure to work with, bringing a level of service that goes far beyond what you’d expect from traditional, impersonal salespeople.Dave and his team truly take it to a new level. If you’re looking for a trusted partner in the car shopping process, I highly recommend Vantage Auto Group.

Gus Torres

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