Home Work About Contact
All case studies

CARMAX AUTO FINANCE · 2026

Overhaul of the  account app

Customers with retail finance agreements with CarMax Auto Finance (CAF) could pay their monthly charges several ways: in store, over the phone, and online with CAF or via the app. However, the CAF interface was old and lacked the streamlined feel of newer payment system apps or websites. An overhaul was essential. 

CarMax Auto Finance legacy home page

Overview

I transitioned to the CAF experience team after there had already been a year of researching, running generative discovery, comparative and competitive analyses, and evaluative discovery of the early designs. An account dashboard and transactions page had already been built, but was still in testing and not yet released. My work started with the statements page and one of the most essential flows, the payments flow.

My role

Product Designer
(end-to-end)

Scope

UX strategy

Timeline

4 months

01

The problem

As with the legacy home page, the legacy payments flow was antiquated and lacked the functionality and transparency of current fintech apps. This meant that I started with research, investigating a host of fintech payment flow examples. 

02

Research

I inherited a robust backlog of research to ingest. In addition to that research, I investigated several fintech apps to identify patterns that were being repeated across them. These patterns would be easily recognizable to customers, and I felt the familiar patterns would reduce cognitive load and make it easier on customers to ramp up use of the new flow. 

Affirm
Afterpay
Klarna
03

Strategy

The flow needed to be intuitive and easily move customers through the payments flow, anticipating questions a customer may have. I first discovered that the information hierarchy on the payment pages that had been roughed out for leadership was off. It would leave customers getting deeper down the page only to have to return up page to make changes based on their selections down page. 

  • One next step. Each drawer offered a single, obvious action with no parallel choices.
  • Words people use. Any jargon received a rewrite, and I mirrored common fintech conventions for pattern recognition.
  • Timely and appropriately placed feedback. Notifications surfaced contextually.
04

Storyboard & prototype

I created a simplified storyboard to tell the story of how a customer moves through the payment pages. Take a look, and then try out the fully interactive prototype linked underneath. 

Flow storyboard — shown in full on desktop; scroll within the frame on mobile
Try the interactive prototype
05

Outcome

I finished these pages and handed them off as my time with CarMax ended. Although I have no official outcome data, I know that this flow is a huge improvement in customers' experiences as they seek to manage their accounts with CAF. 

Next case study

Turning saved cars into purchases