If I fill out Vroom’s financing application, do I have to actually finance through Vroom?

No. However, please note that when you submit the credit application we will complete a formal credit inquiry, which may potentially affect your credit score.

That said, if you're confident about your credit, we encourage you to fill out the application to better understand what type of rate you’re entitled to. Even if you decide to finance elsewhere, completing the application with Vroom will ensure you are better informed for those conversations. You’ll need your driver’s license and proof of insurance to apply. We may also ask for proof of income.

Vroom takes steps to verify and protect your identity.