GT.COM Grant Thornton LLP is the U.S. member firm of Grant Thornton International Ltd (GTIL). GTIL and each of its member firms  are separate legal entities and are not a worldwide partnership.      Management   Bridgecrest Credit Company, LLC  We have examined management’s assertion, included in the accompanying  Management’s Report on Assessment of Compliance with SEC Regulation AB  Servicing Criteria (“Management’s Report”), that Bridgecrest Credit Company, LLC  (the “Company” or “Bridgecrest”), a wholly-owned subsidiary of Bridgecrest  Acceptance Corporation, complied with the servicing criteria set forth in Item 1122(d)  of the U.S. Securities and Exchange Commission’s Regulation AB for the CARVANA- originated public auto loan receivables servicing platform (the “Platform”) as of and for  the year ended December 31, 2022, excluding 1122(d)(1)(iii-iv), 1122(d)(2)(ii-vi),  1122(d)(3)(i)(C), 1122(d)(3)(iii-iv), 1122(d)(4)(i-ii), 1122(4)(ix-xiii) and 1122(d)(4)(xv),  which management has determined are not applicable to the activities performed by  the Company with respect to the Platform. The Platform consists of the asset-backed  transactions and securities for which Bridgecrest acted as servicer as defined by  management in Appendix B of Management’s Report. Management is responsible for  the Company’s compliance with the applicable servicing criteria. Our responsibility is  to express an opinion on management’s assertion about the Company’s assessment  of compliance with the applicable servicing criteria for the Platform based on our  examination.  Our examination was conducted in accordance with the standards of the Public  Company Accounting Oversight Board (United States) and in accordance with  attestation standards established by the American Institute of Certified Public  Accountants, and, accordingly, included examining, on a test basis, evidence about  the Company’s compliance with the applicable servicing criteria for the Platform and  performing such other procedures as we considered necessary in the circumstances.  Our examination included testing selected asset-backed transactions and securities  constituting the Platform and evaluating whether the Company performed servicing  activities related to those transactions and securities in compliance with the applicable  servicing criteria for the period covered by this report. Accordingly, our testing may not  have included servicing activities related to each asset-backed transaction or security  constituting the Platform. Further, our examination was not designed to detect  material noncompliance that may have occurred prior to the period covered by this  report and that may have affected the Company’s servicing activities during the period  covered by this report. We believe that our examination provides a reasonable basis  for our opinion. Our examination does not provide a legal determination on the  Company’s compliance with the applicable servicing criteria.  We are required to be independent and to meet our other ethical responsibilities in  accordance with relevant ethical requirements relating to the engagement.  REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM GRANT THORNTON LLP  1201 Walnut Street, Suite 2200  Kansas City, MO 64106  D +1 816 412 2400  F +1 816 412 2404  Exhibit 34.1
 As described in Management’s Report, the Company engaged various vendors to  perform servicing activities with respect to criteria 1122(d)(2)(i), 1122(d)(3)(ii),  1122(d)(4)(iv), and 1122(d)(4)(viii). The Company determined that each vendor is not  considered a “servicer,” as that term is defined in Item 1101(j) of Regulation AB, and  therefore, the Company is assuming responsibility for compliance with such servicing  criteria applicable to each vendor’s servicing activities. In accordance with Regulation  AB and its related interpretations, the requirement for management to assess  compliance with the servicing criteria applicable to a vendor’s activities is satisfied if  the Company has instituted policies and procedures to monitor whether such vendor’s  activities comply in all material respects with such criteria. Compliance with the  applicable servicing criteria is achieved if those policies and procedures are designed  to provide reasonable assurance that such vendor’s activities comply with such  criteria and those policies and procedures are operating effectively for the period  covered by Management’s Report. Our examination does not provide a legal  determination of whether a vendor is or is not considered a servicer, and therefore, on  whether the Company, in its Management Report, is eligible to elect to take  responsibility for assessing compliance with the servicing criteria applicable to each  vendor’s servicing activities.  In our opinion, management’s assertion that Bridgecrest Credit Company, LLC  complied with the aforementioned applicable servicing criteria as of and for the year  ended December 31, 2022 for the CARVANA-originated public auto loan receivables  servicing platform, is fairly stated, in all material respects.  Kansas City, Missouri  March 15, 2023  /s/ Grant Thornton LLP