In short: The price benchmark in the Carvana short: "Ally is one of their biggest financiers," paying "between 102 and 104" for Carvana's loans — so if Ally is ~20% at 102–103 and the average gain on sale is 109–110, "somebody in the world is paying north of 110." A reference point, no view on Ally.
37:14Ally is one of their biggest finance years. An ally probably pays I'm going to give a wide range because I don't know exactly what it is between 102 and 104. That means if I originated a loan for $100, I get to sell it for $102 or $104. — Okay. So far everything you've said sounds legit. — Correct.
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