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 expansion plans, potentially enabling it to reach its annual retail sales target. By controlling financing internally, Carvana streamlines transactions and reduces reliance on third-party lenders. The strategy underscores how integrated financial services can accelerate growth in the auto retail sector.
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.
