There are two types of credit checks (sometimes called a pull), which are hard pull and soft pull. A soft pull works like a background check and does not affect your credit score. On the other hand, a hard pull could affect your credit score and is usually only done when a vehicle is purchased and if a loan is established. Carvana states that they do not do a hard credit check, they use soft-pull information to allow users to see their estimated credit terms on each of our vehicles, including APR, Monthly Payment, and Term. Meanwhile, Vroom states this on their website: When applying for financing through Vroom, we will run a formal credit inquiry to view your credit and determine the best possible lenders to work with you. This inquiry may negatively impact your credit score.