Carvana Fort Collins (2024)

FAQs

What credit score is needed for Carvana? ›

Carvana does not have a minimum credit score requirement and considers many factors, in addition to traditional credit score, in determining credit offers.

Can I negotiate my Carvana offer? We do not price match or negotiate our offers. We provide our best offer upfront to create a haggle and hassle-free experience.

Will the offer I receive for my car from Carvana ever change? Your offer from Carvana is valid for 7 days. If the information you provide accurately reflects your vehicle details and condition, your offer will not change. If you submit updated information, we will generate a new offer for you, automatically.

Pay stub (2 most recent and consecutive) Bank statements (3 most recent and consecutive)

Carvana has no minimum cutoff for credit score or credit history, and the required minimum income is low compared to other lenders. However, loan approval will likely come with a very high APR.

Our verifications team will review your order and send a confirmation when the purchase has been approved. Once you receive your vehicle, you'll also have a 7-Day Money Back Guarantee. Registration will be completed for you or we'll provide instructions according to state guidelines. Learn more about our process, here.

Are there any requirements my trade-in must meet to be accepted? Carvana will accept your vehicle if it is newer than 1992, the odometer is in working condition and we are able to safely drive the vehicle. We'll also accept vehicles where the registration has expired (except for California).

To receive an offer for your vehicle, we will ask a few questions, such as: License plate number or vehicle identification number (VIN) Overall condition Mileage Features In addition to the answers you'll provide, the VIN helps us gather specific details about your vehicle.

Carvana does not purchase cars that are not in running condition.

Bank Account Verification is the process Carvana uses to verify your bank account before scheduling an appointment.

Does Carvana want paystubs? ›

We may also look at pay stubs as part of your employment verification. You may be asked to submit pay stub documents during the purchase process. Please submit the full documents with all information clearly visible. If your pay stub is multiple pages, upload all pages.

As long as you are 18 years or older†, make at least $5,100 per year, and have no active bankruptcies, you can finance your purchase through Carvana. To get started, you can fill out the financing application here. Don't worry, filling out the application will not impact your credit!

As long as you are 18 years or older†, make at least $5,100 per year, and have no active bankruptcies, you can finance your purchase through Carvana.

Your down payment is due before you schedule your appointment. When you arrive at the payment step in the purchase process, please ensure funds are available before proceeding. If you have a credit on your Carvana account from a previous purchase, you'll see this amount applied.

We complete a hard inquiry into your credit history during the purchase process.

If you see a “You stumped us” page, we're in the process of reviewing your vehicle's details before providing an offer. This usually takes 24-48 hours.