The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
BestMoney.com
CarGurus Review
Reviews 866
CarGurus
Visit Site
CarGurus
CarGurus
Excellent
Reviews 866
Kale Havervold
May. 23, 2023
2 min read
Kale Havervold
CarGurus Summary
CarGurus partners with reputable lenders to provide car loans for different types of vehicles. You can get pre-qualified through its Finance in Advance feature, which allows you to shop with real interest rates in hand and get accurate quotes for car payments. The company also allows you to buy and sell your cars and provides helpful resources like a loan calculator and blog to learn about different vehicles, price trends, and more.
Pros
  • Lets you shop with personalized rates
  • No minimum credit required to see if you pre-qualify
  • Works with several reputable lenders
Cons
  • Can’t see offers or rates without pre-qualifying

CarGurus at a glance

4.6
Editorial score

Online experience

Has learning resources, access to rates, mobile app
5.0

Customer services and support

Multiple ways of reaching lender, hours not provided
4.0

Loan Types

Offers most loan types
4.0

Repayment Flexibility

Offers flexible repayment plans & the option for special repayment programs
5.0

Eligibility (credit score)

Accepts all credit types
5.0

CarGurus CarGurus Visit CarGurus

Suitable For?

CarGurus is suitable for people who want to get pre-qualified before they shop. This allows you to see your real interest rate and car payments when browsing vehicles so you know which are in your budget. CarGurus can pre-qualify you quickly and without hurting your credit, as only a soft credit inquiry is required initially.

The company is also suitable for those who want to compare loans from different lenders, as it provides offers from Capital One, Westlake Financial, and Global Lending Services.

Features

CarGurus has a handy Finance in Advance feature that allows you to be pre-qualified for a car loan. It means you’ll know exactly what interest rate you’ll pay when receiving offers from loan providers. Pre-qualifying requires a soft credit inquiry, so it won’t hurt your credit to check out your loan options. 

The site features a loan calculator that can help you estimate your payments based on your loan term, down payment, vehicle purchase price, and credit score. They also  include a blog with articles about car shopping, car reviews, maintenance tips, and more.

Other features of CarGurus include:

  • Helpful FAQ section
  • Various loan terms and repayment options
  • No minimum credit score requirement
  • Loan offers from multiple companies
  • The ability to buy, sell, and research vehicles

Application Process

Getting started on CarGurus begins with an online pre-qualification process that only takes a few minutes. You need to fill out a form that asks you for personal information like your name, email address, phone number, social security number, date of birth, address, and income.

Next, a soft credit inquiry will occur, and you will see your options. Once you’re pre-qualified, you’ll be able to shop with your personal rates and see the payments for each vehicle. When you find a vehicle, you can print your pre-qualification certificate and take it to the dealer to finalize terms and complete financing.

It’s important to note that a dealer will require you to fill out an additional credit application that includes a hard credit inquiry before finalizing your financing.

Loan Types and Terms

Because the company works with several partner lenders, it offers a variety of auto loans. You can get loans for new cars, used cars, and certified pre-owned cars. The terms and requirements for a loan depend on the partner lender you end up working with.

For all partners, you need to be at least 18 years old to pre-qualify and have a valid street address within the USA, excluding Alaska and Hawaii.

Capital One requires a minimum monthly income of $1,500. The minimum amount that can be financed is $4,000, and pre-qualification terms last for 30 days. If you have other Capital One accounts, they must be in good standing and not past due or delinquent.

Westlake Financial requires your existing Westlake accounts to be in good standing and that you have no open bankruptcies and a maximum of one derogatory account. The minimum amount that can be financed is $4,000.

Global Lending Services requires a minimum monthly income of $1,800, at least two years of job history, that you have no open bankruptcies, and that your primary source of income be through employment rather than self-employment. The minimum amount that can be financed is $6,500, and pre-qualification is valid for 30 days.

Should the lender have extra requirements, you’ll be notified of these along with your offer. Also, the dealer may ask for documents like proof of income, insurance, and your driver’s license before finalizing the purchase.

Repayment Options

Just like with loan types and terms, the repayment options offered on CarGurus can vary. Each lender will offer its own standard repayment options and loan length.

However, the loan calculator on the website does highlight 36-, 48-, 60-, and 72-month loan terms. In most cases, the repayment terms will be flexible and you’ll be able to choose a length that works for you.

How Safe Is It? 

CarGurus has measures in place at all levels to protect customer data. It encrypts data when it is transmitted, regularly performs security risk assessments, and adheres to all privacy laws and regulations in place.

The company makes security awareness and data privacy a major part of the training and onboarding process for employees, and data can only be viewed by those who need to see or use it for their job.

It provides a transparent privacy policy that goes into detail about the information it collects from customers, what is shared, how information is used, and how it is kept safe.

Help & Support

You can reach out to CarGurus at 877-492-4737, or you can click Ask a Question on its contact page to start a web chat. It has social media profiles that you can use to connect and get support. The FAQ section of the site is easy to navigate and provides helpful information on getting pre-qualified, the lenders the company works with, and more.

How CarGurus Compares


CarGurusAuto Credit ExpressLendingTree
APRVariesVariesFrom 2.49%

Minimum credit score

No minimum credit score requiredNo minimum credit score requiredNo minimum credit score required
Loan amountsVariesVariesUp to $300,000
Loan termVariesVaries12-96 months
Best forThose looking to get pre-qualified before shoppingThose looking to get a car loan with poor creditThose looking to compare offers from several options

Summary

CarGurus works with several lenders to provide a variety of auto loans to customers. The Finance in Advance feature lets you pre-qualify in minutes and shop with your own personalized interest rate. This means you’ll know your monthly payments before going to the dealership.

Its site also serves as a marketplace for buying and selling cars, and there are helpful resources like price trends, a loan calculator, and car reviews.

Physical Address

2 Canal Park, 4th Floor, Cambridge, Massachusetts 02141

CarGurus CarGurus Visit CarGurus

Methodology

This review was created with information from the CarGurus website, including its security and privacy policy, as well as other BestMoney reviews on its competitors.

Kale Havervold
Written by
Kale Havervold
Kale Haverold is a freelance writer with over 5 years of experience crafting articles about credit cards, loans, debt, and a raft of other personal finance topics. His work has been featured on Top10.com, BestMoney, Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles stem from his passion to share knowledge that helps readers make informed financial decisions.
Top Car Loans
Auto Credit Express
Auto Credit Express
Read Review|Visit Site
Read all reviews
Must Reads
Read all articles
Trustpilot reviews
See what some costumers are saying about CarGurus
CarGurus
Excellent
Reviews 866
on
Excellent
62%
Great
10%
Average
4%
Poor
3%
Bad
21%
D
david
a day ago
A simple and very useful site to…select your possible next car
A simple and very useful site to peruse, at leisure plus informative and very well laid out site.
consumer-image
gary sibley
12 hours ago
I did not use their services yet they…
I did not use their services yet they insist on bombarding me with emails after I looked at a vehicle on their website.
T
tahir mehmood
a day ago
Good system and good online service
Good system and good online service
J
jackie
2 days ago
I would highly recommend
I was struggling to find an economical car at the right price until someone recommended Car Gurus to me. It made finding the right car so much easier! Brilliant!
consumer-image
shibbir ahmed
3 days ago
Very good
Very good, I like it, I'm so happy . I wish success this company.
M
mr delmar rose
3 days ago
Very good as to posting the vehicle in…
Very good as to posting the vehicle in question that your interested in! Also following up, letting you know when sold if you’re slow off the mark in pursuing a certain vehicle!!
B
benson berkeley
3 days ago
CarGurus made selling my car easy and…
CarGurus made selling my car easy and the dealer paid the agreed price at the point of collection.
c
cj mac
4 days ago
I showed a passing interest on a car on…
I showed a passing interest on a car on "CarGurus", since this time I have been bombarded with Emails re; other totally the wrong specification of the car I was originally looking at. WITH NO APPERENT WAY OF ENDING THE ONSLAUGHT, I bought a new car from elsewhere, 21 DAYS AGO, and here I am still being bugged to death from endless adverts. HOW DO I STOP THIS ******* SH*TE.
j
john mitchell
5 days ago
Thorough & always a good up date
Thorough & always a good up date
S
steve warfield
5 days ago
CarGurus - it couldn’t be easier.
CarGurus takes the bother out of searching for a new car, once you have set your search parameters you are kept informed of any newcomers to the market as they occur.
consumer-image
paul green
7 days ago
I unsubscribed from you and still keep…
I unsubscribed from you and still keep getting messages!!! REMOVE ME FROM YOUR MAILING LIST
C
customer krystyna
8 days ago
very solid trustworthy
Very solid trustworthy Krystyna
C
collectplus customer
8 days ago
Excellent range of cars available…
Excellent range of cars available together with background information which gives a good indication of probable final pricing
R
rick
9 days ago
Super site
Very good site full of really useful info
consumer-image
james wood
9 days ago
Excellent Service
A very steady stream of emails with a good variety of choice of the makes and models I'd requested.
B
bernie bird
9 days ago
Excellent site
Excellent site, sends only cars requested with great photos .
M
mr s rudge
10 days ago
Unintrusive and functionalI recently sourced and bought 2 second…
I recently sourced and bought 2 second hand vehicles through cargurus. I found their website easy to navigate and very useful, especially for a non tech savvy person like me! Not intrusive, but helpful and it put me in touch with vendors easily and efficiently. A brilliant car finding experience resulting in one satisfied customer . Thank you.
consumer-image
sue driscoll
11 days ago
i like getting lots of new ideas to…
i like getting lots of new ideas to look at to see if any of them catch my eye
consumer-image
mike
11 days ago
Great service & perfect information
Great service & perfect information
H
harcus, trevor j
11 days ago
I am very happy with this site.
I am very happy with this site.
M
malcolm huxtable
12 days ago
Ended up with the car we wanted
Ended up with the car we wanted at the price I was willing to pay. Really like the price history and the length the car has been on sale helps you get a good deal.
D
david h
12 days ago
Spam merchants
Spam merchants. I never signed up for anything from them but despite unsubscribing twice I still get emails from them.
K
ken atkinson
12 days ago
You’remr mr Atkinson very informative and I look…
You’re very informative and I look forward to each day to see what’s on the market. Thank you very much.
c
customer
13 days ago
Easy to use app found what I wanted got…
Easy to use app found what I wanted got in touch with the dealer done and dusted all in the app. Highly recommended
consumer-image
adrian everest
15 days ago
Tried ringing no answer slowest company…
Tried ringing no answer slowest company i.ve known
S
steve
15 days ago
I have used this site for obtaining…
I have used this site for obtaining cars for a few years now, the site is clear, concise, and very easy to navigate. I am however disappointed with the response and attitude of some dealers. If there is a cost-of-living crisis it has not reached the dealers using the CarGurus process. Having been involved in the trade for 25 years I fully understand how it works but some dealers appear to think that their cars are for storing and looking at but not selling! Onward and upward.
consumer-image
mr p claridge
16 days ago
Very useful tool
I stumbled upon Car gurus by accident and it showed me the car that I wanted to find. I left a note to the dealer and they kindly provide a walk round video which confirmed that it was what I wanted. A very straightforward process and would suggest that you try it. I would use again in the right circumstances. Thanks
P
philip
16 days ago
No responce
Having selected two vehicles I was interested in and requested a follow-up I received NOTHING
T
terence
17 days ago
Fantastic
Great service and advice
consumer-image
adrian everest
18 days ago
Take to long in replying very slow
Take to long in replying very slow
M
mr. beckford
21 days ago
First site I go to when looking for Great Site a…
First site I go to when looking for a new car, love how it tells you if you are getting value for money.
consumer-image
arwyn jones
21 days ago
Excellent Web site
Excellent Web site, wouldn't be without it
A
anita
21 days ago
The sales team was always available…
The sales team was always available when we enquired for expert help Highly recommended
c
customer
21 days ago
I am extremely pleased with the…
I am extremely pleased with the information I receive from CarGurus, I am sure I will find what I am looking for.
D
duncan inglis
22 days ago
Would not sell car to this lot
Would not sell car to this lot, lowest offer of the lot by 8k!
G
george p denham
23 days ago
Our purchase as detailed above
We purchased a Mercedes Benz ML 350 as a result of your advert from a Northover Cars in Kent and we would rate this company better than any we have dealt with over the years we have have been motoring.
consumer-image
sarah dorricott
23 days ago
Found my galaxy on here
Found my galaxy on here. Sorted finance through car finance 247 and it actually worked out cheaper than payments I was paying on the previous vehicle, even though I upgraded. Yaaay. No admin fee either, because I found the car on cargurus win/win
S
seamus
23 days ago
Useful comparisons for price and…
Useful comparisons for price and mileage on chosen range of vehicles to buy plus additional general advice It is very good to know the average price before looking around the market
M
mr paul abiodun
23 days ago
Very helpful in getting another car…
Very helpful in getting another car after my one packed up
consumer-image
sarah budd
23 days ago
I always use Car Gurus when buying used cars!
I always use Car Gurus when looking for a used car, as you can get all the information you need, photos, garage reviews, etc , and make comparisons before buying. I've recommended the site to others too.
M
mr robert browning
23 days ago
A good site that keeps you informed and…
A good site that keeps you informed and gives great info on the cars available.
G
graham
24 days ago
Need a car use carGurus
CarGurus was very good. I went on the site to compare prices . Mileage. And year . The next day after putting in my post code and website details . The car i was looking for came up 5miles away. Not having a car at this time asked the garage to bring car for test drive. Loved it.bought it. Ps gone are the days when you drove around the garages using petrol . milleage. And time .
P
paul
24 days ago
Pjf experience
The post were regular & clear but, most of cars sent did not meet the criteria, in some cases by a long shot.
consumer-image
ray
24 days ago
Extremely informative
Extremely informative. Gives one exactly the information on cars that you are looking for. If you are as old as I am we used to rely on exchange and Mart or local papers for car sales. Cargurus are beyond compare
consumer-image
terry gough
25 days ago
Always good response with looking for…
Always good response with looking for cars you would like to buy .
j
j e smart
25 days ago
Unbelievably good service
Unbelievably good service. Instant responses to e-mails and very helpful on the telephone. My car was delivered from Yorkshire to Anglesey on the same day for a very small delivery charge. My old car was picked up at the same time and payment was instant. My new, second hand, car is fantastic to drive and any future plans for purchasing cars would put CarGurus clearly at the top of my list; I doubt I would try anywhere else to be honest. Highly professional and reliable: buy with confidence.
consumer-image
abraham okusaga
a month ago
I saw a Nissan Qashqai on car guru…advertised I saw a Nissan Qashqai on car guru advertised by Sterling Motor Group in Barking . After i paid for the car , two days later i noticed t
I saw a Nissan Qashqai on car guru advertised by Sterling Motor Group in Barking . After i paid for the car , two days later i noticed the temperature was very high , checked the engine and found out that the water thank was completely dry , informed sterling can and dropped the car for him , he refused to repair the car , he was very rude and started to avoid my calls and sending his staff to speak to me . Naseem Hassam is the owner of Sterling Motor Group , he is scammer and fraud , he refused to refund my money and refused to repair the car .Sterling motor group should be sanctioned from advertising on The car guru site because he spreading a bad image for the car guru .
consumer-image
janet horton
a month ago
I did a live chat with a woman
I did a live chat with a woman, said I was interested in a car, she couldn't answer my questions or make an appointment. Gave me the name of the dealer (which allowed me to check their reviews!!) the reviews were dreadful and nobody bothered to contact me again - hence this review, a bit more transparency please.
C
charles boy
a month ago
Excellent
Excellent took two weeks . And found the perfect car i wanted and at the price i wanted to pay
consumer-image
christian neumann
a month ago
Not one person has contacted me using…
Not one person has contacted me using car gurus. Disappointing.
K
karen
a month ago
Easy Buying Process
Great search criteria to find the right car. Initial contact form prompted speedy replies from sellers
P
paul
a month ago
Fantastic way to search for cars
Fantastic way to search for cars, always use cargurus. Easy to use with alerts. Really good for buying, in my case a used vehicle. Also can have your favourites saved in a list.
M
mr sykes
a month ago
after a few teething problems i…
after a few teething problems i finally got the options correct and quite soon found my new car .thank you
P
pat mclaughlin
a month ago
Simply does what the website promises
Simply does what the website promises
R
robert makin
a month ago
Customer Satisfaction
Excellent service once my requirements were identified. A wonderful range and selection of vehicles provided.
P
patrick palmer
a month ago
Disappointing - Good over the phone and all looked good…
Good over the phone and all looked good online but the car listed on the site does not exist. I phoned the dealer in the ad and they need nothing about it. Maybe it was for sale some time in the past.
R
r. bance
a month ago
Too many emails
Too many emails. Would prefer to get every month or two weeks not almost every day.
D
david hall
a month ago
Top site very good
Top site very good and got what I need
M
melvyn lightwood
a month ago
What a great way to save money
What a great way to find out what you should be paying for a car Keeping up to date with what's on the market
consumer-image
joseph blundell
a month ago
great site for keeping me updated on…
great site for keeping me updated on the cars i,m interested in.
F
frank
a month ago
Friendly people
Friendly people They gave me very helpful support. Jason delivered my car, spent time showing me some complex electronics…. Jason is a great guy
consumer-image
melvin martin
a month ago
Ideal app for buying cars
Choice of cars, ease of use makes the site amazing - will use again
consumer-image
martin wells
a month ago
They allow companies to show a false price…
They allow companies to show a price for the car that is not the price being charged. This is misleading to the customer. The distance to the garage selling the car is also consistently under reported to make you feel that it is closer than it is.
J
john amuwat
a month ago
Brilliant
Brilliant, always providing all the information one requested and connecting one to the right dealer of any kind of car one needs, great and adept staff, keep on the good work Thanks
T
tony diedrick
a month ago
Car Buying Made Easy
Car buying helped with lots of photos and other car info. The save features helps with making comparisons between candidate cars.
S
steve
a month ago
Failing to perform.
My experiences with CarGurus have always been positive, I purchased my last car in this way so it was a no-brainer to come back to CarGurus. Having had that car written off for me. However, my disappointment is in some of the dealers. I was in the motor trade for 25 years and followed every lead to a conclusion, however, some dealers here fail to even acknowledge any approach. What's the point of being on a big stage if you are not going to perform??
consumer-image
deborah oakes
a month ago
I have bought my last 3 cars from Car…
I have bought my last 3 cars from Car Gurus. The site is easy to navigate, cars purchased have been nothing less than superb. The site compares prices to tell you if you are getting a good deal, or not. Everything is clear with lots of useful information. I like to see my cars before I buy, this is not something all other companies offer. Highly recommend Car Gurus and hold them in the highest esteem.
D
danny
a month ago
First time I’d used car gurus
First time I’d used car gurus Found and bought a car Very pleased
T
tim needham
a month ago
large variety of cars available
large variety of cars available. Fairly easy to narrow down but some problems with all data being erased and having to go back to the start
M
michaela myers
a month ago
FIAT 500
I had a very successful outcome my advisor Anton Rhoden was very helpful helped me to find the right car for me so it all worked out ok
consumer-image
wahab mohammadi
a month ago
Good
All good quick quality cars great prices
M
mr gwilliams
a month ago
Found my perfect car and lots of…
Found my perfect car and lots of updates helped me get to know the product and which model to go for
c
customer
a month ago
Great website to find a great vehicle.
Great website to find a great vehicle. Found an excellent van on Car Gurus. The valuation against the price is very informative. I was able to purchase an excellent van from Wessex Nissan Bristol who l would not hesitate in recommending for vehicle quality and service.
T
tony gartley
a month ago
I like getting updates on available…
I like getting updates on available vehicles but I feel a lot are diesel and I am sure I selected petrol in my requirements.
C
christopher thorpe
a month ago
I live near Carlisle
I live near Carlisle, all the cars you showed me were in London and the South. How can I possibly drive 700 miles to view a car ????
J
john annett
a month ago
Poor customer service
I contacted a dealer reference a car I saw on the CarGurus site and I got a phone pretty much straight away. Then after being promised a return phone call I never heard from this person again despite seeing the car still advertised. Despite ringing and emailing them with photos of my own car it was as if they didn’t want to sell the car I liked. Shocking customer service.
M
mossy
a month ago
I was looking for my granddaughter…
I was looking for my granddaughter there was a great choice of good cars but she brought a car she found herself/I will use cargures when I come to change
consumer-image
abdul qader farooqi
a month ago
Great to seach a dream car
Great to seach a dream car some details are missing on front review like engine type and seats
T
terry bower
a month ago
Brilliant service and so simple to find…
Brilliant service and so simple to find my perfect car from start to finish. AA Car-sales of Chichester were fantastic. Helpful, knowledgeable and friendly. Really looked after me.
P
paul dowd
a month ago
CarGurus(the best)
Great cars at some very good prices and a great selection
consumer-image
rachel and tony bamford
a month ago
I like pricing guide & content
I like pricing guide & content
w
wayne langan
a month ago
Found a great car on here
Found a great car on here, thanks guys
N
natalie
a month ago
Was okay to start with helpful as me…
Was okay to start with helpful as me and my husband decided not to go forward with the car, ADAM, Was very rude and just put the phone down on my husband when he was trying to explain why. Not very kind to just put the phone down on someone, not good customer skills.
W
wendy roberts
a month ago
This is a great tool to use when…
This is a great tool to use when looking for a used cars, I found a my car on here and would still be looking without cargurus
T
trevor
a month ago
I found the guy’s easy to chat too
I found the guy’s easy to chat too, without them being pushy. The forecourt had a good selection of car, as well as having the right car for me. It was advertised listing all of the details.
B
bob wilde
a month ago
keeps you well up to date on the car…
keeps you well up to date on the car you want.
K
keith cowan
a month ago
Great selection of cars
Great selection of cars
consumer-image
magic shrestha
a month ago
Got me what I was looking for 👍
Got me what I was looking for 👍
M
mr brown
a month ago
Identifies relevant cars and easy links…
Identifies relevant cars and easy links for more information
R
raymond govier
a month ago
Disappointing
Usually pretty good, but when a specific car is requested, it is not helpful to show every other kind of vehicle.
J
james cregan
a month ago
Car Gurus send me a selection of cars…
Car Gurus send me a selection of cars that fit my criteria perfectly and their price appraisal is really helpful. I like them
A
ayoola makanjuola
a month ago
Thanks for your support .
Thanks for your support . I’ve bought one and will appreciate if you stopped alerting me .
consumer-image
saleheen shahzad
2 months ago
Amazing service
Amazing service
M
mr michael sturdy
2 months ago
I keep getting a range of cars for salw…
I keep getting a range of cars for salw all over the country when I specified a 10 mile raddius from Coventry.
consumer-image
wavey davey
2 months ago
I keep being sent emails about the…
I keep being sent emails about the wrong vehicles!
S
steve whitehead
2 months ago
Car Gurus is a great way to find a new…
Car Gurus is a great way to find a new car, very quick and easy search with all the filters you need to pick the right car for you.
W
wood
2 months ago
Vehicles for sale
Lots of good quality vehicles to choose from
w
wilma gilmour
2 months ago
Showing me Photos of lovely cars.
Showing me Photos of lovely cars. Was having trouble with my car and seriously considering getting another.
N
n iveson
2 months ago
I have been looking to change my…
I have been looking to change my Touareg for a while now, I have found the best selection of quality vehicles are advertised on this site, and hopefully will eventually find the right car very soon.
consumer-image
lloyd welberry
2 months ago
Great site
Great site, I love car gurus great selection of cars