Honest comparison · updated July 2026

Carfornia vs CarMax vs Carvana vs dealer trade-in: which is best for selling your car?

Short answer: it depends on your car and how much hassle you want. Below is how each option really works — including the downsides of selling to us. Competitor details describe their generally published processes; check their sites for current terms.

Compare
Carfornia Buyers
Local veteran-owned buyer (Hayward)
CarMax
National used-car retailer
Carvana
Online retailer
Dealer trade-in
When buying your next car
Private sale
Craigslist, Facebook, Autotrader
How you get a numberRequest online; we review it personally and call or text you back. The real, written offer comes after we see the car.Online instant offer or in-store appraisal.Online offer in minutes from the VIN or plate plus your answers.Appraisal at the dealership, usually bundled into the new-car negotiation.You set the price; buyers negotiate it down.
Where the inspection happensAt your home or office across the Bay Area — we come to you at no charge.At a CarMax store.At pickup; the offer can change if the car differs from what you entered.At the dealership while you shop.Wherever you meet strangers for test drives.
Who is actually buyingWe are. We resell cars ourselves, so we are not pricing in auction fees and transport.CarMax; cars that do not fit retail are typically wholesaled.Carvana; cars outside their retail profile are typically wholesaled.The dealer; many trade-ins go straight to auction.An individual buyer.
Older, high-mileage, salvage or lien carsYes — all are reviewed. Condition and title affect the offer, but we will tell you up front.Generally yes, often at wholesale-level pricing.Limits apply; some titles and conditions are declined.Usually accepted but valued at wholesale.Possible, but a smaller pool of buyers.
PaymentSame day you accept, by the method agreed in writing. We do not take the car until payment is arranged.Typically a bank draft at the store.Typically at pickup by ACH or check.Credited toward the new car.Cash, cashier's check or app — you carry the fraud risk.
PaperworkWe complete the title transfer, odometer disclosure and DMV Release of Liability with you.Handled at the store.Handled at pickup / online.Handled by the dealership.You handle title, smog certificate (usually the seller's job in California), bill of sale and DMV forms.
Best forBay Area and Oahu owners who want a real local buyer, a fair written offer, and to be paid the same day without driving anywhere.Sellers who want a nationwide brand and are near a store.Sellers who want a fully online process and have a clean, mainstream car.Convenience when you are already buying from that dealer.Sellers with time and patience chasing the highest possible price.
Honest downsideWe are one local buyer, not a nationwide chain, and our offer comes after an inspection — not instantly on screen. We serve the Bay Area, nearby Northern California and Oahu only.You bring the car to them, and the offer can be conservative on older or unusual vehicles.Offer can be adjusted at pickup; stricter on condition and title.Typically the lowest number, and California does not give a sales-tax credit for a trade-in.Scams, no-shows, test drives with strangers, and you remain liable until the DMV transfer is filed.

CarMax and Carvana are trademarks of their respective owners; we are not affiliated with them. Descriptions reflect our understanding of their standard processes as of July 2026 and may change.

The fair way to decide

Get their number. Then let us try to beat it.

There is no downside: get a CarMax or Carvana offer, upload it in step 2 of our form, and we will tell you honestly whether we can do better — before we come out. If we cannot, take their offer with our blessing.

Have a written offer already?

Photo or PDF. Takes two minutes.

Veteran-owned & operated
Same-day payment
25+ years in the business
Satisfaction guaranteed
Written offer after inspection
No-obligation offer request

Questions people ask

Who pays the most, trade-in vs sell, smog and more.