Vroom Inc

Vroom, Inc. (Nasdaq: VRM) operates as a holding company focused on automotive financial services. Its primary subsidiary, United Auto Credit Corporation (UACC), is an indirect automotive lender specializing in non-prime auto loans, serving a network of over 9,500 independent and franchise dealerships nationwide with a gross serviced portfolio exceeding $900 million. UACC originates retail installment sale contracts through third-party dealers, utilizing a proprietary 3rd-generation pricing engine powered by machine learning models. The company also owns CarStory, an AI-powered analytics and digital services platform for automotive retail, offering vehicle pricing, acquisition tools, and consumer mobile apps with an extensive patent portfolio of 31 issued or allowed and 8 pending patents. Vroom previously operated an end-to-end ecommerce platform for used vehicle sales, which was discontinued in January 2024 under a Value Maximization Plan. The company emerged from a prepackaged Chapter 11 bankruptcy proceeding on January 14, 2025, and applies fresh-start accounting from that date. Updated Aug 4, 2026