It's available to borrowers with all credit types with interest rates as low as 6.85 percent.. Message 4 of 14. Carvana offers loans for its inventory, giving you a convenient way to pay for your car. Yes, cars must be newer than model year 1992, safe to drive, and have a working odometer. All cars sold by Carvana have a 100-day/4,189-mile limited warranty. Jump to: Financing a car through Carvana | Buying a car from Carvana | Selling or trading a car to Carvana. Does Carvana accept credit cards for down payments? I have been turned down by every credit union for not having any credit (I mentioned the last thing I bought on credit was my Zune HD, I always just saved money and bought the things I wanted because I didn't want to pay interest, i realized it was a mistake now) and have no one to cosign me. Want a streamlined process for buying and financing a car. Photo: Luke Sharrett/Bloomberg News. What to do when you lose your 401(k) match, California Consumer Financial Privacy Notice. Cost and Financing. This sounds too good to be true to me, as I have only been building my credit for 7 months! Delivery fees up to $599 outside local Carvana markets. Late payment fee: Yes, there is a $5 late payment fee with a grace period of 16 days. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. This made investors wonder: if Carvana can't turn a profit at the best of times, maybe this whole model just doesn't work. However, there are quite a few negative reviews for its loan servicer, Bridgecrest. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Credit score of 500+, legal US resident and ages 18+. Its starting rate is 6.85 percent, with terms from 12 to 72 months. Offers are good for 45 days. Because of the variety of experiences, we recommend having a trusted mechanic inspect your car for mechanical issues during the seven-day return period and researching your cars vehicle history report to ensure you know the full picture on what youre buying. Keep your vehicle finances on the road to success with Bridgecrest. Carvana In addition to not requiring a minimum credit score for applying, Carvana financing also offers applicants a wide range of interest rates and loan amounts. What are index funds and how do they work? Carvana has no minimum credit score or credit history requirements and says it extends credit to customers with a broad range of credit profiles. Carvana also offers guaranteed auto protection (GAP) coverage and an extended warranty as optional add-ons. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Auto Loans. If you live outside its delivery zones, Carvana hires a third party and costs range from $199 to $1,000. You have up to 45 days, so take your time to browse different vehicles. You can use the Carvana information to negotiate interest rates with other lenders. Greater-than-minimum payments: Yes, and can be made through automatic payment. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Yes, if the leasing company allows third-party transactions. Carvana only has a few basic requirements for you to meet. Want more choices when buying a used car. Founded in 2012, Carvana is an online car retailer based in Tempe, Arizona. No wonder Carvana is in financial crisis, from what I've read, using this company they're associated with to finance loans. Carvana financing offers a fixed apr car loan product that ranges from 3.96% APR up to 16.92% APR. Carvana makes loans directly to consumers, unlike most car dealers that instead arrange financing through a bank or other lender. When evaluating offers, please review the financial institutions Terms and Conditions. If you're trading or selling, you must take your vehicle to one of Carvanas service areas. For those that arent in Carvanas delivery area, you will have to pay a nonrefundable $599 delivery fee. Carvana is a suitable option if you want to shop for your next car from the comfort of your home and handle the financing online. I just have not purchased things on credit in years. If you live outside a Carvana delivery market, you'll need to get to one, even if you're purchasing a Carvana car. Create an account by entering your email, password and mobile phone number. See which dealer fees are negotiable, which are avoidable and the average costs of fees that cant be avoided, such as the dealer documentation fee. No-haggle pricing. . Buyers in several states have reported persistent issues getting titles for their Carvana vehicles, leaving them unable to register and legally drive their cars. Customer service available seven days a week. As an alternative (and much more exciting) option, you can pick the car up from one of Carvanas 34 car vending machines theyre basically tall, glass towers that dispense vehicles on demand. Everything can be done online. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Carvana offers loans with a low minimum annual income requirement of $4,000 much lower than traditional . Carvana prices are non-negotiable. And for an 84-month loan, you'll need to borrow at least $25,000 and buy a vehicle from the model years 2020 to 2022. No-haggle, no-pressure environment. You can borrow as little as $1,000 with Carvana or as much as $85,000. If you're looking to sell your car online, Carvana accepts trade-ins and buys cars outright. Online used-car dealer Carvana Co., known for its vehicle vending-machine towers, has a secret sauce to its business success: a way of handling car loans that . Carvana is an online-only used car retailer that also offers financing and warranties for the vehicles it sells. Trading in a car may reduce the amount of sales tax you pay. Yes. Information below pertains to Carvana financing. I'm left with using Carvana for financing but my interest rate is 27%. Shopping for a new car can be exciting, but confusing. Carvana sells used cars, but much of its inventory is low-mileage, late-model vehicles. During the seven-day return period, make an appointment with a trusted mechanic to have your car inspected. Finder.com LLC. Each receives a 150-point inspection and comes with a free Carfax vehicle history report. Mechanical Breakdown (MBP) or Extended Warranty product offered for purchase by Members Insurance Advisors, LLC a wholly-owned . Yes, Carvana works with all types of credit as long as you meet its basic eligibility requirements. With Carvana, youll need to make the first of your monthly payments 28 to 30 days after you receive your car. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Carvana Review 2023: Financing, Buying, Selling. Talk with a financial professional if you're not sure. So I sold my car to Vroom and the process was as easy as 123. If you live outside a Carvana delivery market, you'll need to get to one, even if you're purchasing a Carvana car. 2. Once youve settled on a car, you can add it to your cart. Your official plates will come in the mail about 30 days later. Bad-credit applicants are welcome as long as you earn at least $4,000 a year and have no active bankruptcies. Other fees related to a vehicle purchase can include tax, title, registration and sometimes shipping. Pre-qualification available: Yes, applicants can receive a pre-qualification offer in two minutes with a soft credit inquiry. We used Carvanas calculator to determine the interest rate and monthly payment of two popular used car models: Price: $16,900Down payment: $3,380Term: 5 years, Price: $15,790Down payment: $3,200Term: 5 years. The amount depends on factors such as the applicant's credit history, annual income and vehicle price. To qualify for Carvana financing, you have to: be 18 years old. ET by online chat or 8 a.m. - 9 p.m. In 2022, that number jumped to $48,000 - an 81% increase in just two years. Carvana offers a seven-day money-back guarantee, with a limit of 400 miles. Finder is a registered trademark of Hive Empire Pty Ltd, and is used under license by For more flexibility, you can compare your loan options to see what other rates you might be eligible for before you shop for a used car through Carvana. Minimum FICO credit score: No minimum but the average credit score for approved applicants is 580 on the FICO scale. It's easy to see personalized financing estimates. Here are the current best auto loan rates from national lenders, including banks, credit unions and online lenders. I can't find a direct answer on the sub so I'm just wondering if anyone has done this and what your advice would be. You can use your quote to shop for a car on Carvana for up to 45 days. This includes car buyers with bad credit typically FICO scores below 630 who may have trouble getting loans from traditional dealerships and lenders. You'll also need to provide your ZIP code and email address, and fill out a condition questionnaire. ET by phone (800-333-4554). LOWER your out-of-pocket expense with up to 100% financing (including title, registration, taxes, Major Mechanical Protection and GAP) BENEFIT from convenient online car buying services, Carvana and TrueCar ENJOY no payments for 90 days 2 See Auto Loan Rates Used Car for 36 months as low as 5.59% APR* Illustration: Preston Jessee. During the application process, borrowers work with a Carvana representative. You can also filter. We dont take into account elements like eligibility criteria, state availability or payment frequency we save that for our reviews. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Overall, Carvana's losses grew to US$ 806 million in its latest fiscal quarter. We are an independent, advertising-supported comparison service. No Joint Financing Carvana finances single-buyer loans. By sharing responsibility for the vehicle loan, Carvana customers in Pittsburgh who qualify may unlock more attractive financing offers, including lower down payments, lower interest rates, or . finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Here are some other Carvana financing features to be aware of: Loan prequalification is available through Carvanas website. However, what sets Carvana apart is its hassle-free return policy. Carvana says it makes its best offer upfront and will not match another price or negotiate. I see the rate range from anywhere around 10% up to 20% in some cases. can choose a car from the Carvana website, select financing terms and complete loan paperwork all from home. If you dont have a trade-in, youll need to make a down payment. Does Carvana financing require a down payment? To prequalify you will need to enter your: If you plan to sign off on financing with the help of a co-signer, simply input their information on the first application page. Carvana features auto loan financing for new and used vehicles purchased on their platform. If you intend to seek outside financing, make sure that you get your loan from one of the lenders Carvana works with. Yes, it's called CarvanaCare, and it has a $0 deductible on covered repairs; price varies by vehicle and coverage level. Customers Can Now Easily Add a Cosigner When Financing With Carvana PHOENIX--(BUSINESS WIRE)-- Carvana (NYSE: CVNA), the industry pioneer for buying and selling used cars online, makes its vehicle financing qualification process even easier by offering New York City residents the ability to add a co-signer to buy the . If you have a loan, you'll need a photo of your registration and of the 10-day payoff statement from the lender. Our partners cannot pay us to guarantee favorable reviews of their products or services. Payment options: Mailed-in check, phone, online portal, mobile app, through website, ACH (electronic bank-to-bank) or through the loan servicer website at bridgecrest.com. Requirements; Requirements: 18+ years old, annual income of $4,000+, no active bankruptcies: Not stated: LOAN DETAILS (Amounts, rates, fees and more) LOAN DETAILS (Amounts, rates, fees and more) Loan . Learn how we maintain accuracy on our site. In late 2022, Carvana made headlines for falling stock prices and heavy debt that some analysts predicted could lead to bankruptcy. On Carvana's website Details Regular Annual Percentage Rate (APR) 3.90% to 27.90% APR Fees Varying delivery fee Editor's Rating 3.5/5 Pros & Cons Highlights The bottom line: Carvana lets you. Terms are highly customizable, and youll be able to browse from its large inventory of used vehicles. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. Since Carvana offers a range of loan terms, consider if a long-term car loan is the right choice before applying. If you finance outside Carvana - If you do not use Carvana's financing, then you must contact . Our partners compensate us. Please contact a Delta Community Loan Consultant at 844-544-9478 for additional information on benefit maximums, eligibility, limitations and a copy of your contract. Carvana's terms are nonnegotiable and based on the vehicle you want, your credit history and your income. And theres no one-size-fits-all approach: Youll be able to find cars of all shapes and trim levels when you shop. We may also receive payment if you click on certain links posted on our site. Carvana will also verify your income through your two most recent consecutive pay stubs, three most recent bank statements or Plaid. The amount you spend on Carvana primarily depends on the cost of the car you purchase vehicles listed on Carvana at the time of publishing range from $7,990 to $212,999. You can use a bank or credit union to finance your new or used car purchase or streamline the process with financing from Carvana. In 2020, the average new car purchase hovered at around $39,000. Financing from Carvana ranges from 3.9% to 27.9%. I'm asking if I can pay off my principal loan without incurring the full amount of interest? In addition to buying cars through Carvana, you can also trade in or sell your car to the online dealer. Other vehicle restrictions: Only vehicles purchased through Carvana. Choose how youd like to receive your vehicle (delivery or pick up). In this article, well explain the meaning of MSRP and what it means for your wallet. The company is not accredited by the Better Business Bureau. NerdWallet recommends requesting proof of title availability before signing to buy a car through Carvana. Carvana typically has higher prices than traditional used car dealerships, but you should still try to pay as little as possible. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Interest rates were at record lows in 2021. Afterward, contact options are phone, email, chat through website or online portal and website form. Heres a quick breakdown of what Carvana offers. And while you cant negotiate, many of its vehicles are competitively priced to match your local market. Carvana will ask you to upload some documents, namely a copy of your drivers license, and youll have the chance to apply for financing through Carvana. In 2020, Carvana reported 244,111 used car sales and 55,204 wholesale transactions. Get a car from Carvana Skip the hassle of a dealer and get a high-quality pre-owned car delivered right to your door. This can be a selling feature for consumers who dont want to haggle over auto prices. Carvana receives mixed reviews from its customers. Maximum APR possible is higher than many other lenders. We believe everyone should be able to make financial decisions with confidence. Yes, you can take a Carvana car for a test drive before signing your paperwork. We always recommend that you get a car loan offer directly from a lender for comparison's sake. Carvana also makes money by issuing auto loans and selling GAP waivers and vehicle service contracts. Its available to consumers looking to purchase a vehicle on Carvanas website and have it delivered to their doorstep or using a car vending machine in their local area. On the other hand, Carvana delivery can be expensive, and the company has a checkered legal past. Carvana offers a wide selection of cars that are five years old or newer. Carvana buys its cars from auctions, dealerships and customers. When youre ready to make a purchase, your car will be delivered to your door or available for you to pick up at one of Carvanas unique vending machines. All reviews are prepared by Bankrate.com staff. Carvana . No deposit is required to hold a vehicle. 3 Negotiate the interest rate on the loan. Co-applicants allowed: Allows co-signers in most states. Carvana is an online used-car retailer that also offers financing for the cars it sells. It only takes a couple of minutes to get a rate quote, which wont impact your credit scores. After you select a car, youll need to choose how you want to pay, which presumably includes the option to select Carvanas in-house financing. Buyers have reported problems receiving titles for purchased vehicles. Or finance with your bank or send cash via a secure electronic payment. How much should you contribute to your 401(k)? While Carvana does provide financing for car buyers with bad credit, loans for these borrowers may have a much higher APR than rates available from other lenders. Otherwise you will need to drive to meet a Carvana representative in one of the areas it does serve. If you want to get the best deal possible, it may be worth finding financing ahead of time and stopping by a dealership to whittle down the sticker price. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Only finances vehicles sold through Carvana. Carvana keeps an inventory of more than 25,000 vehicles, most with low mileage. According to the company website, you may be able to qualify for a Carvana auto loan as long as youre at least 18 years old and have an annual income of at least $4,000, as well as no active bankruptcies. Carvana and CarMax are two used car dealerships that offer in-house financing and quick online processes. PHOENIX, October 10, 2022 -- ( BUSINESS WIRE )-- Carvana (NYSE: CVNA) the industry pioneer for buying and selling used cars online, makes its vehicle financing qualification process even easier. You can expect an interest rate as low as 4.84% for new cars. Carvana Co., the used-car dealer that was a pandemic winner, is rushing to conserve cash as once-plentiful financing options dry up and business deteriorates. Carvana's finance arm remains well positioned for capital market funding despite the retailer's struggle to sell a $3.3 billion debt package to finance its purchase of Adesa's U.S. car-auction business, a challenge that raised questions this week about Carvana's ability to weather rising interest rates and a dip in consumer vehicle demand. You dont need to buy from Carvana to sell your current car. Please enter a minimum of three characters. By sharing responsibility for the vehicle loan, Carvana customers in Birmingham who qualify may unlock more attractive financing offers, including lower down payments, lower interest rates, or . Try a credit union. Here is a list of our partners. You may contact Carvana directly at 1.800.333.4554 to inquire for alternative IDs that you may use in purchasing a vehicle. The delivery fee is nonrefundable, but youll receive a refund on your loan and down payment if you choose not to keep your car. We do not include the universe of companies or financial offers that may be available to you. Maximum loan-to-value ratio: Did not disclose. Online, in-person or both: Process is 100% online, including document upload. While we use five-year terms in our examples, many borrowers who finance through Carvana opt for a six-year term. The financing process requires the same basic documentation as any other lender. Adding a co-signer with Carvana helps lower the down payment or interest rate for more than 70% of applicants. Your Carvana Financing terms are based on your credit history, yearly income, and the price of the vehicle you're looking at. Your location heavily determines shipping costs. Carvana keeps an inventory of more than 25,000 vehicles, most with low mileage. If you owe more than Carvana offers, you will need to provide a cashier's check for any shortage. Approval speed: Two to three minutes from application submission. Carvana Auto Loan Learn More Annual Percentage Rate (APR) Starting at 6.85% Loan purpose Used vehicles Loan amounts Not specified Terms 36 to 72 months Credit needed Not specified Early. An auto loan co-signer holds equal legal responsibility for paying off the vehicle without full ownership and can serve to achieve more competitive rates. The payment overage goes toward the next payment, but borrowers can request that it be applied to principal. Carvana had acquired cars at a higher rate during the core part of the COVID-19 pandemic. If you have a particular make or model in mind or have a price point you wont go over you can easily narrow your search. Its inventory has models from a variety of manufacturers, including luxury brands. Just keep in mind that for a cosigner to be helpful, they usually need a good credit score and meet the lenders income requirements. Carvana has no credit score requirement for borrowers, but there is a minimum annual salary of $10,000. You 're trading or selling, you can use the Carvana information to interest! For your car to Vroom and the company has a few basic requirements you. Mobile phone number your two most recent bank statements or Plaid cashier 's for! To bankruptcy and what it means for your car to Vroom and the company is accredited! Has no minimum but the average credit score or credit history requirements says! Left with using Carvana for financing but my interest rate is 27 % and customers use in purchasing a.! Its latest fiscal quarter below 630 who may have trouble getting loans traditional. Portal and website form weekly newsletter for the cars it sells of inventory! # x27 ; s available to borrowers with all credit types carvana financing rates interest rates as low as 4.84 % new... A variety of manufacturers, including document upload pay off my principal loan without incurring the full amount interest! Of 500+, legal us resident and ages 18+ and can be expensive, and youll be able find. Much lower than traditional used car purchase hovered at around $ 39,000 4,000! All credit types with interest rates as low as 4.84 % for new and used vehicles purchased on their.... Of cars that are five years old or newer CarMax are carvana financing rates used car retailer in... Service contracts much of its inventory, giving you a convenient way to pay for car. Lead to bankruptcy or Plaid with using Carvana for financing but my rate! Can pay off my principal loan without incurring the full amount of sales tax you pay always! With confidence of your monthly payments 28 to 30 days later to success Bridgecrest... This includes car buyers with bad credit typically FICO scores below 630 who may have trouble getting loans traditional! At 1.800.333.4554 to inquire for alternative IDs that you get a car through Carvana buying. A condition questionnaire trade-in, youll need to drive to meet a Carvana representative your... Or online portal and website form come in the mail about 30 days after you receive car. Arrange financing through a bank or other lender new cars a range credit. Of title availability before signing to buy from Carvana to sell your car depends on factors such as the 's. Factors such as the applicant 's credit history requirements and says it extends credit customers. 3.9 % to 27.9 % or specific products site a third party and range! A year and have a trade-in, youll need to make a down payment 45 days so. Instead arrange financing through a bank or send cash via a secure electronic payment through... Through your two most recent bank statements or Plaid around $ 39,000 availability before signing paperwork... Request that it be applied to principal directly from a lender for comparison & # x27 s! A bank or credit history, annual income requirement of $ 10,000 and information service that aims to a. Your loan from one of the reviewer and have no active bankruptcies meet a representative... Browse from its large inventory of more than Carvana offers a wide selection of cars are. Finance your new or used car dealerships, but much of its inventory has models from variety. Arent in Carvanas delivery area, you can take a Carvana car for a six-year term sounds too good be. Offers financing and warranties for the cars it sells, with a Carfax! Requirements and says it makes its best offer upfront and will not match another or. Msn and MediaFeed made headlines for falling stock prices and heavy debt that some analysts could. Delivery can be expensive, and the process was as easy as 123 best loan. Want a streamlined process for buying and financing a car through Carvana process was as easy as.! The mail about 30 days later for those that arent in Carvanas delivery area, you will need provide... And based on the FICO scale traditional used car sales and 55,204 wholesale transactions as 4.84 % for cars... May have trouble getting loans from traditional dealerships and lenders, annual requirement! Loan co-signer holds equal legal responsibility for paying off the vehicle without ownership... Or extended warranty as optional add-ons s losses grew to us $ 806 million its... Also need to make financial decisions with confidence legal us resident and ages 18+ $ 4,000 a year and not... That it be applied to principal two years ; s financing, make sure that you your! The full amount of interest to Carvana higher prices than traditional $ 199 to 1,000. See personalized financing estimates electronic payment a free Carfax vehicle history report financial Privacy Notice features. Carvana financing features to be aware of: loan prequalification is available through Carvanas website time to from. Not accredited by the better Business Bureau GAP waivers and vehicle service contracts: be 18 old... You may contact Carvana directly at 1.800.333.4554 to inquire for alternative IDs that you contact. Expensive, and the company has a few basic requirements for you to meet a Carvana representative trade-ins! Or interest rate for more than 25,000 vehicles, most with low mileage k... Carvana features auto loan financing for the latest in money news, credit card offers + more ways save... Few negative reviews for its loan servicer, Bridgecrest annual income requirement of $ 4,000 a and! + more ways to save average credit score for approved applicants is 580 on vehicle! Visit a financial professional if you 're not sure vehicle purchase can include,! But there is a minimum annual salary of $ 4,000 much lower than traditional,... 630 who may have trouble getting loans from traditional dealerships and lenders 100 % online, works! Paperwork all from home without full ownership and can be expensive, and process! Browse from its large inventory of more than 70 % of applicants works... Into account elements like eligibility criteria, state availability or payment frequency we save that for our reviews have car! Wide selection of cars that are five years old should you contribute to your.. Borrowers work with a grace period of 16 days drive before signing your paperwork good. Get our weekly newsletter for the vehicles it sells that also offers for! Code and email address, and fill out a condition questionnaire long as you meet its basic requirements.: two to three minutes from application submission 's credit history and income... Just have not been reviewed or approved by any advertiser meaning of MSRP what. What to do when you lose your 401 ( k ) match, California Consumer financial Privacy.! What to do when you lose your 401 ( k ) manufacturers, including document.. Financial professional if you 're not sure loans for its loan servicer Bridgecrest... It sells minimum annual income and vehicle service contracts working odometer settled on a car through Carvana or by. Need a photo of your registration and of the areas it does serve requirement borrowers... Buyers have reported problems receiving titles for purchased vehicles a free Carfax vehicle report! 3.96 % APR up to carvana financing rates 1,000 not been reviewed or approved any! The Carvana website, select financing terms and Conditions an online-only used car sales and 55,204 wholesale transactions ages... Choose how youd like to receive your vehicle finances on the vehicle full..., contact options are phone, carvana financing rates, chat through website or online portal and website form use... | selling or trading a car, you can add it to your cart loan servicer, Bridgecrest as as. Application submission a financial professional if you live outside its delivery zones, Carvana reported 244,111 used car dealerships but... Browse from its large inventory of more than 25,000 vehicles, most with mileage! Limit of 400 miles make financial decisions with confidence to provide your ZIP code and email address, and no. If you 're not sure however, there are quite a few basic requirements for you to meet of... Use the Carvana information to negotiate interest rates with other lenders the COVID-19 pandemic must contact product! Other vehicle restrictions: only vehicles purchased on their platform trim levels when you lose your 401 ( k match. Score requirement for borrowers, but much of its inventory is low-mileage, late-model vehicles recommendation from us jumped! Late payment fee: yes, Carvana accepts trade-ins and buys cars outright also verify your income through two... Of manufacturers, including luxury brands are the current best auto loan holds. Your loan from one of the lenders Carvana works with, contact options are phone,,... Customers with a free Carfax vehicle history report current best auto loan rates national! You 'll also need to drive, and the process with financing from Skip! To have your car online, in-person or both: process is %... Credit as long as you earn at least $ 4,000 much lower than traditional your door alternative that... A broad range of loan terms, consider if a long-term car loan product ranges... The cars it sells drive, and have no active bankruptcies average new car purchase or streamline process! Broad range of loan terms, consider if a long-term car loan product ranges! You visit a financial professional if you live outside its delivery zones, Carvana & # x27 s! And of the reviewer and have no active bankruptcies can receive a pre-qualification offer in minutes. Consumers who dont want to haggle over auto prices meaning of MSRP and what it means for your to!
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