A simple Answer TO yOUr Question
Why is Carvana's financing rate often higher than a bank?
Carvana earns money from financing by originating loans at rates that include a markup above what they could access from capital markets. They then sell many of these loans to investors. The spread between the rate they charge you and the rate at which they sell the loan is profit. Getting pre-approved through your own bank or credit union before shopping Carvana is the simplest way to avoid paying a higher rate than necessary.
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The Smart Buyer's Guide to Leasing vs. Buying in 2026
Discover:
✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
Smart move!
Download the guide below, plus we've sent a copy to your inbox.
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Effortless to buy and personalized to you, with coverage deals with Vantage.
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600+ Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
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Fantastic experience with Dave as always.
Fantastic experience with Dave as always.
Fil Mendes
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Such a wonderful experience with Sean and his team at Vantage Auto Group. Imagine not having to sit at a dealership for several hours. That alone is worth the 5 star review. Add to that how knowledgeable Sean is, how he actually wants to get you the best deal, and how little stress you'll experience throughout the entire process, and 5 stars just aren't enough. I would recommend Vantage Auto Group to anyone!
Such a wonderful experience with Sean and his team at Vantage Auto Group. Imagine not having to sit at a dealership for several hours. That alone is worth the 5 star review. Add to that how knowledgeable Sean is, how he actually wants to get you the best deal, and how little stress you'll experience throughout the entire process, and 5 stars just aren't enough. I would recommend Vantage Auto Group to anyone!
Lisa
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Sean was amazing to work with! Getting a new car was so quick and easy. I never thought it would be so painless. I am thrilled with my new car and it's all thanks to Sean!
Sean was amazing to work with! Getting a new car was so quick and easy. I never thought it would be so painless. I am thrilled with my new car and it's all thanks to Sean!
Sara Lombardo
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Sean and the Vantage Auto Group made the entire process seamless from start to finish — I can’t recommend them highly enough!!
Sean and the Vantage Auto Group made the entire process seamless from start to finish — I can’t recommend them highly enough!!
nicole berman
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I wish I knew leasing a car could be this easy years ago! I still can’t believe how seamless my experience was with Sean. He was extremely responsive and got me the best price compared to other dealers I had been talking to. The delivery of the car was on the exact day and time I asked for, even though it was a national holiday. I have already referred him to so many of my friends and family. So glad someone referred me to Sean. All the stress that comes with buying/leasing a car is now a thing of the past!
I wish I knew leasing a car could be this easy years ago! I still can’t believe how seamless my experience was with Sean. He was extremely responsive and got me the best price compared to other dealers I had been talking to. The delivery of the car was on the exact day and time I asked for, even though it was a national holiday. I have already referred him to so many of my friends and family. So glad someone referred me to Sean. All the stress that comes with buying/leasing a car is now a thing of the past!
Ilana Gutman
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Great working with Mark and the whole Vantage team
Great working with Mark and the whole Vantage team
Patrick Ryan
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Mark Viegas is an absolute lifesaver. I truly don’t have the words to express how grateful my husband and I are for such an incredible experience - and such a quick turnaround. After my daughters and I were in a very serious car accident early last week, I knew getting a new vehicle would be overwhelming and stressful.Enter Mark Viegas at Vantage Auto Group. From start to finish, he made the entire process unbelievably simple. We shared exactly what we were looking for, and within 48 hours a brand-new car was delivered straight to our driveway.The days of walking into dealerships and negotiating prices are long gone. I will never go back - and neither should you! If you’re in the market for a new car, I can’t recommend Mark enough - reach out to him. I promise you won’t be disappointed.
Mark Viegas is an absolute lifesaver. I truly don’t have the words to express how grateful my husband and I are for such an incredible experience - and such a quick turnaround. After my daughters and I were in a very serious car accident early last week, I knew getting a new vehicle would be overwhelming and stressful.Enter Mark Viegas at Vantage Auto Group. From start to finish, he made the entire process unbelievably simple. We shared exactly what we were looking for, and within 48 hours a brand-new car was delivered straight to our driveway.The days of walking into dealerships and negotiating prices are long gone. I will never go back - and neither should you! If you’re in the market for a new car, I can’t recommend Mark enough - reach out to him. I promise you won’t be disappointed.
Laura Collins
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All the hassles & time consumption in buying a new vehicle were nil, because Vantage Auto Group took care of everything & delivered the vehicle I wanted
All the hassles & time consumption in buying a new vehicle were nil, because Vantage Auto Group took care of everything & delivered the vehicle I wanted
Robert Murphy
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Best car buying experience however the people were more than gracious, polite, timely, and Health with every single detail of the lease experience. I cannot recommend them enough.
Best car buying experience however the people were more than gracious, polite, timely, and Health with every single detail of the lease experience. I cannot recommend them enough.
d morgan