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Carvana vs. CarsDirect Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Car Loans

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Car Loans

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Good For
Hassle-Free Online Car Loans
Good For
Get Auto Loans For Bad Credit
APR

7.90-27.90%

APR

3-35.99%

Repayment terms
36-72 months
Repayment terms
Min Credit Score
300
Min Credit Score
300
Loan Amount

$1K-$100K

Loan Amount

$5K-$45K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Prepayment Fee
None
Prepayment Fee
None
Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Simple overall experience
  • No minimum credit score, good for those with bad credit
  • No application fees, origination fees, or prepayment penalties
  • Prequalified terms last 45 days, giving you time to decide
  • Allows for a co-signer
  • 7-days money back guarantee
Pros
  • People with bad credit and no credit history are viable for loans
  • You can get a loan with records of bankruptcies
  • The company has a fast application process
  • It is a marketplace with a variety of lenders
Cons
  • cons Only finances vehicles sold on Carvana
  • cons High interest rates if you have bad credit
Cons
  • cons A low credit score is accompanied by high-interest rates
  • cons It is not a direct lender
  • cons Scanty details have been published regarding loan information
  • cons Some customers have complained regarding customer service
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