Credit Application Disclosure

This is an application for credit submitted to Carvana ("Application"). The words "we," "us," and "our," and "Carvana" means and includes Carvana, its affiliates, its designated service providers, agents, assigns, and successors, as applicable. The words "you" and "your" mean the applicant (as an individual) shown above and completing the Application.

You agree that you have read this Application and everything stated in it is true and complete. You certify that you are the age of majority in your state of residence. You authorize us to obtain consumer or similar reports from one or more consumer credit reporting agencies in connection with this Application.

Upon request, you will be informed of whether or not we obtained a consumer report and, if so, the name and address of the consumer reporting agency that furnished that report. If your Application is approved, you also authorize us to obtain additional credit reports and other information about you in connection with reviews, updates, extensions, renewals modifications, collection activities of any credit that we extend to you or for any other legitimate purpose. You further authorize us to verify the information in your Application, including verifying with others any information contained in your Application and to provide information about your Application to third parties (including consumer reporting agencies or potential assignees of any credit that we extend to you) for lawful purposes.

Important Information About Procedures for Opening a New Account

If applicable to your credit transaction, to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Communication Consent

You consent to receiving marketing calls or texts at the phone number provided using an automatic telephone dialing system by, or on behalf of, Carvana and its authorized representatives (including, but not limited to, Bridgecrest Credit Company and SilverRock Automotive). You understand consent is not required. Messaging and data rates may apply. Reply HELP for help and STOP to cancel.

See Text Message Terms & Disclosures for more information

Notice of Negative Information Furnishing

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Ohio Applicants: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

California Applicants: If married, you may apply for a separate account.

Wisconsin Applicants: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

Maine Residents: You have the right to choose the agent or insurer through whom any required insurance may be obtained, whether or not the agent or insurer is affiliated with the creditor. Obtaining insurance from a particular agent or broker will not affect credit decisions made by the creditor, unless it reasonably determines that the insurance coverage or insurer selected is inadequate.