Does Caramel offer instant payment methods so I can get my car right away?

We do.

On all transactions, you can pay Caramel via a wire transfer.  If you initiate your wire during banking hours, we can receive and clear your payment as soon as same day.  If you initiate your wire outside of banking hours, we'll clear your payment on the next banking day.  Please note that if the transaction price is $40,000 or greater, you will be required to make payment via Wire transfer.

We also offer an Instant Payment method on most transactions with a payment up to $25,000.  For this payment method, you'll link your bank account similar to ACH, and we'll initiate the payment as soon as you sign your documents.  There are certain smaller banks that are not compatible with Instant Payment, and if your bank falls into this category we default back to wire transfer or ACH payment for you.  With Instant Payment, your payment will clear right away 24/7.  Instant Payments cost .75% of the payment amount.