I have bought four cars over 12 years from Carmax with no issues until I recently traded in a Carmax car with a Carmax loan to a Chevrolet Dealer. Seems there is a glitch either in the mailing of the payoff or timing but I will be left holding the bag and making the payment myself or Carmax will negatively impact my credit report if they don't receive the payoff by a date deadline - no allowance for being late in the mail which is out of my control. Last car I ever buy from Carmax.