Bait and switch on finance interest rate. I was offered 3.59% for 24 months to finance $6922. My pay off amount on my trade in changed from $3300 to actual amount of $3400. Carvana changed my interest rate to 7.0% because of the difference. I knew there would be some reason buying a car from Carvana was a bad idea. They are no different than a dealership!