Just Text Us

(201) 815-8216

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.

More FAQs
The Blog

📥 FREE DOWNLOAD

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

Contact Details
Download the Free Guide

Smart move!

Download the guide below, plus we've sent a copy to your inbox.

Download the Guide
Oops! Something went wrong while submitting the form.
Red luxury coupe SUV with tinted windows on a race track with red and white curbs.

Affordable Cars Available Now

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Cars Under $20,000

AS LOW AS
$
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Shop Great Deals

AS LOW AS
$
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Delivery by Monday

AS LOW AS
$
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Shop Fuel Efficient

AS LOW AS
$
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Silver Kia Niro SUV driving on road with pink blurred flowers in foreground.

Value Tracking

AS LOW AS
$
/MO
#
Miles

No credit impact, view Get personalized insights on your car’s value, so you can time your next car with the most savings.real payments while shopping.

Silver Kia Niro SUV driving on road with pink blurred flowers in foreground.

Learn More
Electric SUV driving on a winding mountain road at sunset with hills and greenery surrounding.

Insurance Coverage

AS LOW AS
$
/MO
#
Miles

Effortless to buy and personalized to you, with coverage deals with Vantage.

Electric SUV driving on a winding mountain road at sunset with hills and greenery surrounding.

Learn More

673

Testimonials

What Our Customers Say

People come for the number. They stay for how easy we make it.

Read About Their Experience
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!

David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!

Joseph Bestreich

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Sarah was great! She really helped us get into the exact car we were looking for. I was shocked how fast and seamless the whole process went. Would recommend her to anyone looking for a new car.

Sarah was great! She really helped us get into the exact car we were looking for. I was shocked how fast and seamless the whole process went. Would recommend her to anyone looking for a new car.

Jeff Freitag

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Wouldn’t buy a car any other way! Sean at Vantage is the best! Navigated the whole process with honest advice and did all of the digging. Very happy with their service and highly recommend.
Wouldn’t buy a car any other way! Sean at Vantage is the best! Navigated the whole process with honest advice and did all of the digging. Very happy with their service and highly recommend.

Lauren Augustine

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Vantage made the leasing process so easy and worked closely with us to get my wife the exact car she wanted!! We were thrilled with the customer service from Jess and David, and love the car!!

Vantage made the leasing process so easy and worked closely with us to get my wife the exact car she wanted!! We were thrilled with the customer service from Jess and David, and love the car!!

Ari Shenkman

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Excellent service and knowledgeable reps
Excellent service and knowledgeable reps

Mary Morris

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Deborah was a huge help when it came time to trade my car in for a new lease. I didn't know exactly where to start, but I gave her a few of my "must-haves," and she came back with amazing options. Working with Vantage Auto made the entire leasing process seamless and efficient. Once I made my decision, everything was completed within just a few days. They even delivered the car directly to me! All I had to do was sign the paperwork, and I was ready to enjoy my new car. Deborah was communicative, knowledgeable, and an absolute pleasure to work with from start to finish.
Deborah was a huge help when it came time to trade my car in for a new lease. I didn't know exactly where to start, but I gave her a few of my "must-haves," and she came back with amazing options. Working with Vantage Auto made the entire leasing process seamless and efficient. Once I made my decision, everything was completed within just a few days. They even delivered the car directly to me! All I had to do was sign the paperwork, and I was ready to enjoy my new car. Deborah was communicative, knowledgeable, and an absolute pleasure to work with from start to finish.

Francesca G.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Wow! I just had my car delivered after maintenance and I couldn’t be happier. Not only did they give me a super reasonable price, the staff were phenomenal and extremely easy to work with. What a fantastic high-quality service! They even detailed my car! I can’t recommend Vantage highly enough! I will never work with anyone else. 10/10 service!

Wow! I just had my car delivered after maintenance and I couldn’t be happier. Not only did they give me a super reasonable price, the staff were phenomenal and extremely easy to work with. What a fantastic high-quality service! They even detailed my car! I can’t recommend Vantage highly enough! I will never work with anyone else. 10/10 service!

Meagan Greenberg

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Both Sean and Jess were very helpful making the process seamless. Will definitely tell everyone about vantage auto group
Both Sean and Jess were very helpful making the process seamless. Will definitely tell everyone about vantage auto group

John Clemente

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

AS LOW AS
$
/MO
#
Miles

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Had my first experience using a broker through Vantage Auto, so I was a little nervous going into the process. Deborah made everything incredibly easy and stress-free. She was transparent, thorough, and always available to answer questions. Instead of wasting hours at dealerships, she found the exact car and color we wanted and negotiated a monthly payment within our budget. She was communicative throughout the entire process and truly wonderful to work with. I highly recommend Deborah, especially for women looking for someone trustworthy and knowledgeable. Thank you Deborah!
Had my first experience using a broker through Vantage Auto, so I was a little nervous going into the process. Deborah made everything incredibly easy and stress-free. She was transparent, thorough, and always available to answer questions. Instead of wasting hours at dealerships, she found the exact car and color we wanted and negotiated a monthly payment within our budget. She was communicative throughout the entire process and truly wonderful to work with. I highly recommend Deborah, especially for women looking for someone trustworthy and knowledgeable. Thank you Deborah!

Janicole Rochaquino

Previous
Next