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 plans to expand retail sales significantly. By controlling financing internally, Carvana streamlines transactions and reduces reliance on third-party lenders. The strategy underscores its focus on scaling operations efficiently while maintaining customer convenience.
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.
