Vroom
Vroom, Inc. is a U.S.-based automotive finance and data analytics company operating through United Auto Credit Corporation (UACC), which provides non-prime auto lending, and CarStory, an AI-powered vehicle discovery and valuation platform serving dealers across 4M+ vehicle listings.
- Company typePublic
- Founded2013
- HeadquartersHouston, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Vroom does
Vroom, Inc. is a U.S.-based automotive finance and data analytics company headquartered in Houston, Texas. Founded in 2013 as an online used-vehicle marketplace, the company underwent a fundamental business model transformation following its January 2024 wind-down of e-commerce vehicle sales, emergence from Chapter 11 bankruptcy in January 2025, and Nasdaq delisting in May 2026. The company now operates through two wholly-owned subsidiaries: United Auto Credit Corporation (UACC), acquired in 2021 for $300 million, which provides captive non-prime auto lending services to borrowers who may not qualify for traditional prime financing; and CarStory, an AI-powered vehicle discovery and data analytics platform serving automotive dealers with vehicle valuation tools, inspection technology, and inventory access across over 4 million vehicle listings.
The underlying technology centers on CarStory's AI-powered valuation engine that analyzes structured vehicle data including VIN, vehicle history, and condition information to generate pricing estimates for dealers. CarStory integrates with dealer inventory management workflows and pulls vehicle content from third parties including DataOne Software and Carfax. UACC provides captive lending infrastructure supporting non-prime borrowers through dealership partnerships. The platform stack is supported by integrations with Plaid (financial data aggregation), Google Analytics, and major identity providers (Google, Facebook, Amazon) for authentication.
Vroom generates revenue through subscription and recurring fees from CarStory dealer subscriptions and advertising placements across its 4M+ vehicle listings, interest income and fees from UACC's non-prime auto loan portfolio, and exploration of data and IP monetization opportunities from accumulated e-commerce-era analytics capabilities. The go-to-market motion is B2B dealer-facing (CarStory) and dealer-channel consumer lending (UACC), both U.S.-domestic. The company remains unprofitable, reporting a $49M adjusted net loss in 2025 (a 57% improvement YoY) and a $19.6M Q1 2026 net loss, with $56.4M liquidity as of March 31, 2026 and $98.4M stockholders' equity.
Vroom firmographics
Firmographics- Name
- Vroom
- Legal name
- Vroom, Inc.
- Website
- https://vroom.com
- Company type
- Public
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Vroom, Inc. is a U.S.-based automotive finance and data analytics company operating through United Auto Credit Corporation (UACC), which provides non-prime auto lending, and CarStory, an AI-powered vehicle discovery and valuation platform serving dealers across 4M+ vehicle listings.
- Ownership category
- akta.pro rank
Vroom industry classification
Industry- Product category
- Auto Finance and Dealer Analytics
- NAICS
- Computer Terminal and Other Computer Peripheral Equipment Manufacturing (334118)
- SIC
- Retail-Computer & Computer Software Stores (5734)
- akta.pro primary industry
- Recurring Payments & Variable Recurring Payments (VRP) Enablement (FSAGACAJ)
Keywords
Where Vroom is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Vroom business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Auto Finance (UACC): Non-prime auto lending services through United Auto Credit Corporation, providing financing solutions to borrowers who may not qualify for traditional prime lending. Vroom acquired UACC for $300 million in 2021 to establish captive financing capabilities and improve unit economics.
- CarStory Platform Services: Dealer-facing platform offering AI-powered vehicle valuation, inspection tools, and marketplace services. Revenue derived from dealer subscriptions and advertising placements on the platform spanning over 4 million vehicle listings.
- Data and IP Monetization: Exploration of monetization opportunities for intellectual property accumulated during e-commerce operations, including vehicle data and analytics capabilities.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels2 records
Vroom product offering
Product offeringCore offering
Vroom is an auto finance and automotive data analytics company operating through two wholly owned subsidiaries: United Auto Credit Corporation (UACC), which provides captive non-prime auto lending, and CarStory, an AI-powered dealer platform offering vehicle valuation, inspection, and inventory tools across more than 4 million new and used vehicle listings. The company wound down its direct consumer used-vehicle e-commerce sales in January 2024 and now operates as a capital-light finance and analytics business.
Product overview
Vroom, Inc. has transitioned from an online used-car e-commerce marketplace to an auto finance and data analytics company following the January 2024 wind-down of its vehicle sales operations. The company's current portfolio centers on two core products: United Auto Credit Corporation (UACC), which provides captive auto financing services including non-prime lending, and CarStory, a vehicle discovery platform enabling users to shop over 4 million vehicles. Vroom emerged from Chapter 11 bankruptcy in January 2025 and is leveraging its technology and data analytics capabilities to monetize intellectual property in the finance and analytics space.
Differentiator
Problem solved
Functional benefit
Brands
- CarStory: Automotive data and analytics platform featuring over 4 million new and used car listings from dealers
- UACC
Products and services
- United Auto Credit Corporation (UACC) Auto Lending
- CarStory Dealer Platform
- Vroom Dealer Portal
Quantifiable outcome
- 57% reduction in adjusted net loss year-over-year in 2025
- +2 more outcomes
Companies that use Vroom
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Vroom technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability3 records
Feature2 records
Vroom partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Federal Trade Commission (FTC)minorThe FTC took regulatory action against Vroom for deceiving customers and failing to deliver on time with required disclosures. Vroom agreed to a settlement requiring a $1 million refund fund and measures to prevent further misleading practices.
Scale indicators10 records
Recent moves8 records
Expansion highlights4 records
Vroom competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Vroom social profiles
Digital presenceVroom compliance and trust
Trust signalCompliance6 records
Vroom financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vroom leadership team
Management profileNumber of profiles
Profiles12 records
Vroom subsidiaries and ownership
Company hierarchySubsidiaries2 records
Vroom funding detail
Funding detailFunding overview
Funding rounds13 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vroom M&A and investment
M&A and investmentM&A4 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vroom
What does Vroom do?
Vroom is an auto finance and automotive data analytics company operating through two wholly owned subsidiaries: United Auto Credit Corporation (UACC), which provides captive non-prime auto lending, and CarStory, an AI-powered dealer platform offering vehicle valuation, inspection, and inventory tools across more than 4 million new and used vehicle listings. The company wound down its direct consumer used-vehicle e-commerce sales in January 2024 and now operates as a capital-light finance and analytics business.
Is Vroom a public or private company?
Vroom is a public company. It is classified as public and is currently operating.
When was Vroom founded?
Vroom was founded in 2013. It employs 501 to 1,000 people.
Where is Vroom based?
Vroom is headquartered in Houston, United States, in the North America region.
How does Vroom make money?
Three revenue lines are on record. Auto Finance (UACC) is the primary driver. The others are carStory Platform Services and data and IP Monetization.
Does Vroom have an API?
No public API is recorded for Vroom.
What industry is Vroom in?
Vroom's product category is Auto Finance and Dealer Analytics. Its primary akta.pro industry code is FSAGACAJ, Recurring Payments & Variable Recurring Payments (VRP) Enablement. Its NAICS code is 334118 and its SIC code is 5734.