Carvana’s in-house financing division plays a critical role in its business model, processing the vast majority of its vehicle sales. This captive lending arm helps drive the company’s ambitious retail sales targets by streamlining the purchasing process. With such a high reliance on internal financing, its performance could directly influence Carvana’s ability to meet annual vehicle sales goals. The strategy underscores how integrated financing can shape a retailer’s growth trajectory in the competitive auto market.
Carvana's captive finance arm handles 85 percent of its sales and could be the key to its goal of selling 3 million retail vehicles a year.
