CarMax buys cars and offers online and in-store appraisal. The company also provides used car financing through CarMax Auto Finance.
And so when a consumer is thinking about buying a car, let's say they're in a car right now. Well, they're making a certain monthly payment. And all of a sudden, they look and say, OK, well, I'm ready to swap out. They're like, oh my gosh, I'd have to pay another $10...