If financing through Carvana as easy to get approved as it seems?

[acercode]

I haven't had any credit for over 10 years except for recent credit cards I was approved for. But according to CK I have an "outstanding" chance of being approved for an auto loan through Carvana. The cars they have seem to be on the expensive side but if I can get approved easily I would like to get a car around $15k-$20k. So is it as easy as CK makes it out to be or would it be difficult for someone with no credit like me? 

Or are there other auto loans that are just as easy to get? I would prefer financing a new car if that were possible. I have FICO 650-700 depending on agency. 

[Jnbmom]

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@acercode wrote:

I haven't had any credit for over 10 years except for recent credit cards I was approved for. But according to CK I have an "outstanding" chance of being approved for an auto loan through Carvana. The cars they have seem to be on the expensive side but if I can get approved easily I would like to get a car around $15k-$20k. So is it as easy as CK makes it out to be or would it be difficult for someone with no credit like me? 

Or are there other auto loans that are just as easy to get? I would prefer financing a new car if that were possible. I have FICO 650-700 depending on agency. 

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CK is strictly marketing they get some kickback when you apply through their site From what I have seen carvana has overpriced cars and not the greatest rates . Do you belong to any credit unions they might be your best bet ? Who do you bank with that also may be a good start?

[incognitony]

Carvana is pretty easy to get approved but may be 20%+ interest. Maybe try Capital One?

[junebug225]

Carvana is pretty easy to get approved with. Thier interest rates have always been high

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@acercode wrote:

I haven't had any credit for over 10 years except for recent credit cards I was approved for. But according to CK I have an "outstanding" chance of being approved for an auto loan through Carvana. The cars they have seem to be on the expensive side but if I can get approved easily I would like to get a car around $15k-$20k. So is it as easy as CK makes it out to be or would it be difficult for someone with no credit like me? 

Or are there other auto loans that are just as easy to get? I would prefer financing a new car if that were possible. I have FICO 650-700 depending on agency. 

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for me(I have purchased 3 cars from them), but I always refinance my loans with my credit union. I would recommend them.

[bigseegar]

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@acercode wrote:

I haven't had any credit for over 10 years except for recent credit cards I was approved for. But according to CK I have an "outstanding" chance of being approved for an auto loan through Carvana. The cars they have seem to be on the expensive side but if I can get approved easily I would like to get a car around $15k-$20k. So is it as easy as CK makes it out to be or would it be difficult for someone with no credit like me? 

Or are there other auto loans that are just as easy to get? I would prefer financing a new car if that were possible. I have FICO 650-700 depending on agency. 

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Never, EVER trust Credit Karma for ANYTHING really, but especially not your chances of approval on any loan or credit card. they are paid by those lenders for everyone who clicks that on and applies using their link/suggestion. So they tell everyone their chances are Good to Outstanding for that sole reason, to make a profit. When in fact they have no idea at all if you'll be approved or not. Plus their scores they show you are normally way off. Best thing you can do with CK in your credit journey is take everything you see there with a grain of salt. matter of fact better yet ingnore them altogether. 

[Mdowning30]

Its funny how you say things like oh you dont have a god chance of getting this card, or now you say dont trust CK, even though im aware it isnt as solid or accurate as FICO scores. They showed i had a pre approval through Caribou for an auto refinance loan and I was approved ! Just like i was with the Investor card, Discover and CSP