Vroom, Inc. operates two principal business segments: UACC, an indirect lender providing vehicle financing to non-prime credit consumers through a nationwide network of independent and manufacturer-franchised used vehicle dealers, and CarStory, an AI-powered analytics platform providing vehicle pricing optimization, digital consumer experiences, and data services to dealers and financial services companies. UACC generates revenue through lending programs, vehicle service contracts and guarantee products, and servicing of retail installment sales contracts, while also conducting securitizations to manage its portfolio. CarStory leverages computer vision and proprietary algorithms to operate a comprehensive used vehicle database and offers pricing optimization and digital solutions to automotive retailers and financial institutions. The company is regulated as a consumer financial services provider and is subject to federal and state lending regulations.