Simple, flexible and powerful.

Auto financing that's as easy to use as your car.

Life before Carputty was like driving before power-steering.

Apply Now

Get started with our simple online application.

1
Get pre-approved with no impact to your credit score
2
Find out your rate and Flexline amount ($25- $250K).
3
Lock in final approval with a hard credit check once you’re ready.

Get started with our simple online application.

1
Get pre-approved with no impact to your credit score
2
Find out your rate and Flexline amount ($25- $250K).
3
Lock in final approval with a hard credit check once you’re ready.

Bias is out. Privacy is in.

Unlike other sites, we never sell your data.

Whenever possible, AI-powered underwriting makes judgements based purely on your data.

Flexline™ - Flexible financing, possibly for life.

Your Flexline balance is always at your disposal, anytime and for any transaction. No reapplication required.

Flexline Range:
$25,000 - $250,000 ($800,000 for LLCs)
Use It To:
Buy new or used, refinance, or buyout a lease
Per Vehicle Limits:
$10,000 - $150,000
Max # of Cars:
15 vehicles
Model Years Eligible:
2015 or newer
Current Rates Starting At:
7.33%
Apply Now

Put the power back in your hands.

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Use V³ Valuation™ data to choose the right car and identify a good price.

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Seamlessly fund your vehicle (or loan or lease buyout) and add it to your Flexline.

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Add your other vehicles to your dashboard, even if they’re not funded by your Flexline.

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As the need arises, you can use your available Flexline balance to finance other vehicles.

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When interest rates drop, easily refinance any of your vehicles, whether they are on your Flexline or held with other lenders.

Rates that are clear, fair and fixed to you.

RATE =
MARGIN
SOFR

Your rate
is fixed when you
add a vehicle.

Margin is set when
you open your
Flexline.

Standard Overnight
Financing Rate is our
cost and changes
monthly.

With your Flexline, the same rate applies whether you are:

buying out your lease...........

buying out your lease

buying a new EV

buying a new SUV

buying a new pickup

buying a new coupe

refinancing a loan

buying out your lease

Apply Now

Ready for a better way to finance your vehicles?

The process is easy. All you need to do is start!

Apply Now

FAQs

What are Carputty’s Flexline™ eligibility requirements?

You must be 18 years old or otherwise have the ability to legally contract for vehicle financing in your state of residence, and either a U.S. citizen or resident alien (permanent or non-permanent) with proof of status. You must be employed and live in a state where Carputty offers Credit Accounts.

Am I likely to get approved for a Flexline™?

The Flexline is designed for consumers with good-to-excellent credit. This tends to correspond with a FICO score of 680 or higher, although a high credit score does not guarantee approval. We consider your entire credit profile in our evaluation process and we do not believe that there is a single definition of “good credit”. Like other lenders, we consider an applicant's credit history, payment history, and income vs debt.

How long does a Flexline™ stay open?

A Carputty Flexline of credit will remain open as long as it is active. Once a member signs the line agreement—that line is accessible for up to 24 months. Any line will automatically terminate if it is inactive for 24 months straight. Carputty members can add and remove a vehicle without ever needing to reapply.

Does Carputty have vehicle eligibility requirements?

Yes – in short, vehicles need to be 8 years old or newer (oldest model year eligible is the current year minus 8) and have fewer than 85,000 miles. Carputty has vehicle eligibility requirements to ensure that the vehicles being financed are in good condition, and have a certain level of value, as the vehicle's value serves as collateral for the loan. Click here to find a detailed list of vehicle eligibility requirements.