Unlike other sites, we never sell your data.
Whenever possible, AI-powered underwriting makes judgements based purely on your data.
Your Flexline balance is always at your disposal, anytime and for any transaction. No reapplication required.
Use V³ Valuation™ data to choose the right car and identify a good price.
Seamlessly fund your vehicle (or loan or lease buyout) and add it to your Flexline.
Add your other vehicles to your dashboard, even if they’re not funded by your Flexline.
As the need arises, you can use your available Flexline balance to finance other vehicles.
When interest rates drop, easily refinance any of your vehicles, whether they are on your Flexline or held with other lenders.
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.
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.
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.
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.