How to Cancel a Carvana Purchase in 2026 (7-Day Return + Warranty Cancellation)
Updated 2026-02-21 · 7 min read
✅ Good news: Carvana offers a 7-day, 400-mile return policy. If you're unhappy with your car within 7 days of delivery and under 400 miles driven, you can return it for a full refund. This is genuinely one of the best return policies in car buying — use it if something feels off.
How to Return a Carvana Car (7-Day Window)
Call Carvana at 1-800-333-4554 within 7 days of delivery
Or initiate a return through your My Carvana account online
Carvana will schedule a free pickup at your location
The car must have under 400 miles added since delivery
Full refund processed within 5-10 business days
If you traded in a vehicle, Carvana will return it (if still in their possession) or offer equivalent value
⚠️ After 7 days: You cannot return the car. Your only options are selling it (likely at a loss since Carvana prices are above market), trading it in, or refinancing the loan. Get a pre-purchase inspection from an independent mechanic BEFORE your 7 days expire.
How to Cancel Carvana Extended Warranty (SilverRock)
Carvana's extended warranties through SilverRock are optional and cancellable:
Call SilverRock at 1-855-838-0894
Request cancellation of your Vehicle Service Contract
You'll receive a prorated refund for unused coverage
The refund goes toward your loan balance (if financed through Carvana)
If paid in cash, refund goes back to your payment method
How to Cancel Carvana Gap Insurance
Call SilverRock at 1-855-838-0894
Request Gap Waiver cancellation
Prorated refund applied to loan balance
Tip: Your regular car insurance or credit union may offer Gap coverage for $20-50/year vs Carvana's $700-900
The Real Cost of Buying from Carvana
Above-market pricing: Carvana cars are typically priced 5-15% above KBB/NADA fair market value. The convenience premium is real
High APR financing: Carvana's in-house financing often runs 8-15%+ APR. Most credit unions offer 5-7% for the same buyer
Add-on padding: Extended warranty ($1,500-3,000), Gap insurance ($700-900), and Carvana Care are aggressively pushed during checkout
Registration delays: Carvana has been fined in multiple states for delayed title transfers and registration — sometimes taking 3-6 months
What to Do If You're Past 7 Days
Lemon law: If the car has significant defects, your state's lemon law may still apply (varies by state). Document every issue
Cancel add-ons: Even if you keep the car, cancel the extended warranty and Gap insurance if you can get better deals elsewhere
Refinance the loan: If Carvana gave you 12%+ APR, refinance through a credit union immediately. Savings can be $50-150/month
Sell to CarMax/Vroom: Get competing offers. You may break even or take a small loss, but it's better than 5 years of overpayment
💰 Savings example: Cancel SilverRock warranty ($2,000 refund) + cancel Gap ($800 refund) + refinance from 12% to 6% APR (saves $3,000+ over loan term) = $5,800+ saved without selling the car.
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