Trade-in offer terms

AVA Marketplace · Updated November 2026

  1. 1. Who provides the service. The trade-in service is provided by AVA, LLC (“AVA”), a licensed motor vehicle dealer, for your credit union or lender (the “Credit Union”). The Credit Union is not the buyer of your vehicle.
  2. 2. Two ways to sell. After your inspection you choose one: Buy It Now, where AVA makes you an offer to buy your vehicle; or AVA Marketplace, where your vehicle is offered to licensed dealers who compete for it, and you receive the highest offer. AVA may set a minimum price. In either case, you decide whether to accept or decline. A Buy It Now offer is good for 7 days or 250 miles, whichever comes first. A Marketplace offer must be accepted within 24 hours of when it is sent.
  3. 3. How offers are set. Offers are based on the information you enter; the photos and data from your inspection; vehicle history and market data from third parties; automated tools, including artificial intelligence; and, for the Marketplace, the bids dealers place. Any of these sources can be incomplete or wrong. A Marketplace offer may be lower than you expect, and you are not required to accept it.
  4. 4. Technology errors. Automated systems and third-party data can make mistakes. If an offer was based on a technical, data, pricing or typing error, AVA can correct or withdraw it at any time before payment, even after you accept it. If AVA does, you may accept the corrected offer or decline it at no cost.
  5. 5. Final inspection. Every accepted offer depends on a final inspection at a drop-off location AVA chooses. AVA may adjust or withdraw the offer if the final inspection finds anything that differs from what was reported or seen in your inspection, including: more than 250 miles beyond the mileage at your inspection; damage or mechanical problems, including warning lights; missing keys or equipment; aftermarket changes; a branded title, flood, or prior accident; a lien or ownership problem; or any other difference in the vehicle. If the offer is adjusted, AVA will tell you the reason.
  6. 6. Final approval. After the final inspection, AVA sends you the final offer. You can approve it or decline and keep your vehicle. Nothing obligates you to sell until you approve the final offer and sign the sale paperwork.
  7. 7. Loan payoff. If there is a loan on your vehicle, you must give the lienholder’s name and the exact payoff amount. Estimates are not accepted and will delay your sale. AVA may verify the payoff with the lienholder.
  8. 8. What you confirm. You confirm that you own the vehicle or are authorized to sell it; the information you gave, including the payoff, is true; the photos are of this vehicle, taken during this inspection; and you have disclosed known accidents, damage and loans on the vehicle. False or misleading information cancels the offer.
  9. 9. Where the money goes. If there is no loan on the vehicle, you receive the payment. If there is a loan, the payoff is paid first, directly to the lienholder; when the lienholder is the Credit Union, it goes to the Credit Union. Any remaining money goes to you, or to the Credit Union if it is financing your new vehicle. If the payoff is more than the sale price, the difference must be paid before the sale closes; the Credit Union may include it in your new loan.
  10. 10. Title. Your title, or the lienholder’s release, must be delivered within 30 days of the sale.
  11. 11. Final sale. Once you approve the final offer and AVA pays, the amount and the sale are final. You will not be asked to return any money because of a later claim about the vehicle’s condition, except in cases of fraud or misrepresentation. Any arbitration with a dealer is handled by AVA.
  12. 12. Not tied to a loan. This offer is not a loan approval and does not depend on one. You do not have to trade in a vehicle to apply for a loan with the Credit Union.
  13. 13. Estimates. Any price range shown before an offer is an estimate, not an offer.
  14. 14. Limitation of liability. To the extent the law allows, AVA and the Credit Union are not liable for decisions you make based on an estimate or offer, including buying another vehicle, before the offer is final. AVA’s total liability for any offer is limited to the final agreed amount.
  15. 15. Texts and email. By requesting an offer, you agree to receive email about your trade-in at the contact information you provided, and texts if you opt in. Message and data rates may apply. Reply STOP to opt out.
  16. 16. Governing terms. Texas law; Dallas County venue. AVA, LLC, 701 Commerce St, Dallas, TX 75202.