I was given a rate by Carvana without having any credit pulled. You just give them your income and they'll start quoting you rates and the rates aren't particul

I was given a rate by Carvana without having any credit pulled. You just give them your income and they'll start quoting you rates and the rates aren't particularly attractive if you have good credit. If people are actually taking those loans, there seems to be a decent amount of excess risk at play. I'm assuming Carvana eventually does pull your credit but I doubt they're lowering rates after doing so.