The simplest way to finance your vehicles.

Get a flexible line of auto credit with a low, transparent rate in minutes. Use it now or later – it’s available whenever you need it.

We’re currently lending exclusively to members on our waitlist. To get early access, sign up today and get to the front of the line.

How It Works

See My Car's Value →

Get approved in minutes

Won't affect your credit score

Apply from the comfort of home

Use to refinance or purchase

Many ways to finance & save.

Apply once & get access for life.

Purchase New

Buy a new car from a dealership or retailer

Purchase Used

Buy a used car from a dealership or retailer

Refinance

Refinance your current car to lower rates/payment

Lease Buyout

Buyout the lease on your current vehicle

“Our interest rate dropped by more than 2%, and our monthly payment went down by about $200.

The process was relatively smooth and easy. Carputty did an excellent job making sure we knew where we were in the process.”

- Alyssa S. in Atlanta, GA

A completely re‑engineered financing process.

The Carputty Flexline™ line of credit covers every vehicle in your driveway, present or future.

The Old Way

Every time you purchase or refinance, you have to jump through the same restrictive, frustrating, time‑consuming hoops.

The New Way

One simple online application gives you a credit line for every vehicle in your life – never do loan paperwork again.

Low rates are just the beginning.

Carputty Flexline™ Rates

Based on you, not your ride.

Type

Carputty †

Avg APR*

New Purchase

2.836%

3.17%

Used Purchase

2.836%

4.695%

Refinance

2.836%

4.43%

† Rates are determined by income and credit and a 63 month amortization. Your rate will be based on your credit and income data and may be different than the example provided

* Sources: Experian, RateGenius

One lender, many benefits

No more bouncing from lender to lender. Now you’ll have one credit pull, rate, and monthly payment.

Always open when you need it

Your line is ready for use, whether it’s a refinance 5 days from now, or a new purchase 5 years from now.

Multiple cars, one payment

Perfect for simplifying multiple car loans. Put all your family's vehicles on one line of credit.

Manage your cars like assets

Buy and sell your cars like you would manage a stock portfolio.

Always know the perfect time to buy or sell.

With our revolutionary V3 valuation tool, you can see coming price changes in any car's value, which allows you to time the market and buy or sell at the perfect moment.

We use over a million industry data points from auctions, dealerships, and private sales to give you the most accurate and unbiased values.

The simplest way to finance your vehicles.

Many ways to finance & save.