Carputty financing is
the best way to pay for a car.

Man riding a horse and buggy | Carputty
Banks &
Credit Unions
Graphic of Model T | Carputty
Luxury sports car purchased with Carputty | The best way to pay for a car | CarputtyGame changer sign | Carputty is changing car lending | Carputty
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.
Apply Today

We re-engineered the auto loan to give our customers lower rates, less work, & better value.

Who We Are

Carputty is a direct lender built to smooth out the auto financing experience.

We mix technology
with a human touch to do what other lenders can’t.

Use Carputty to:

Refinance your current car to lower rates/payment
Purchase new cars
Buy a new car from a dealership or retailer
Purchase used cars
Buy a used car from a dealership or retailer
Lease buyout
Purchase your leased vehicle
Carputty is Ideal For

Applying for a Flexline

The Carputty Flexline is ideal for applicants with good-to-excellent credit. While there is not a single definition of “good credit,” we generally find that Flexline members share the following characteristics: 

Credit History

More than 2 years of strong credit history and a credit score of 680 or higher.**

Income vs. Debt

Sufficient income to cover existing debts and more.

Payment History

A 12-24 month track-record of on-time payments.
Learn More →
Financing With Carputty

The Carputty Process

Get pre-approved from your home in just minutes.

Apply from your computer or phone in minutes, with no effect on your credit score.
Apply for your Flexline™ today→
Chart showing depreciation of a 2018 Audi A4 | Carputty

Use V³ Valuation™ to treat your car like the investment it is. 

Our V³ Valuation tool gives you insights into how your car’s value changes over time so you can identify the optimal time to buy, sell, or hold. Timing is everything.

Our V³ Valuation tool lets you chart out the future valuation of almost any (newer) vehicle, and even compare vehicles to see which one depreciates less over time.  

Try our V³ Valuation tool →
Example of how Carputty simplifies the car buying process | Carputty

Add any vehicle—through a purchase, refinance, or lease buyout to your Carputty Flexline. 

Using our intuitive member dashboard and the help of our Member Support Agents, you can easily add your vehicle to your Flexline.

We’ll guide you through the entire process, from making sure all your documents are properly uploaded, to wiring the money and transferring the title.

Congrats! Now you can play with the car market rather than let the car market play with you.

Want to buy or refi another vehicle? Looking to add all your cars to a single consolidated payment? Flexline is your go-to financing tool.  
Apply for your Flexline today →
How We’re Different
We kept the parts that worked and
re-engineered the rest.
Get approved in 2 minutes or less. Apply from your computer or phone.
Applying won’t affect your credit. We only do a soft credit pull to pre-approve you.
Only use the credit you need at the time. You pay nothing if you aren't using it.
Supercharge your line with multiple vehicles all on one payment.
Access to your secure online dashboard. See your payment, balance, & vehicles.
Auto Loans
Dealer, banks, & credit unions
Carputty Flexline
Carputty’s line of credit
Searching and reapplying every time you want to purchase/refinance. This adds up to a lot of paperwork, time, money, energy, and multiple credit pulls.
Apply once, and you’re in. You can use it for all of your current and future purchases/refinancing. One hard credit pull is all we need.
Lending based on the vehicle. Rates jump around depending on the car and can be marked up by the dealer. Used cars have much higher rates.
Lending based on you, not your car. Rates are based on your credit. This means we’re able to extend you much lower rates, especially on used cars.
Finance only one vehicle. If you finance another car, this means different rates, payment dates, lenders, and repeated negotiation for each vehicle you want to purchase.
Finance multiple vehicles with your Flexline Add all of your family’s vehicles. Or add that weekend car you’ve had your eye on. Know your rate, payment and terms ahead of time.
You’re on your own when it comes to keeping track of your car’s value. The popular valuation sites are biased and don’t give you accurate future/trended values.
Stay in-the-know and time the market with our V³ Valuation tool. Get a detailed future-value chart for most vehicles to inform you of the best times to buy and sell.

Our Member Success Agents are with you every step of the way.

We’re here to guide and assist you throughout the process and can answer questions about your car search, or what to do when you’re ready to refi or sell your current vehicle. 

Chat with us LIVE!
Mon-Fri, 8am-6pm EST

Get your line of credit with a low, transparent rate in minutes.

Apply Today