Experience the Freedom of Flexline™ – Smarter & Easier Auto Financing!
With Flexline™, those with strong credit can get an automotive line of credit that provides unparalleled flexibility and simplicity for life.*
Apply Now
Won't affect your credit score
Leave Traditional Auto Loans In The Past
Transparency & Clarity
Traditional loans often have hidden fees, complex terms, and varying interest rates. Your Flexline has a single rate and margin tied to your credit profile.
Speed & Security
Get pre-approved for a Flexline in minutes with our secure online application instead of being bogged down in extensive, time-consuming paperwork that may not be data secure.
Lifetime Auto Financing
Instead of one loan per vehicle, get an automotive line of credit up to $250,000 ($800,000 for LLCs) that can be used to finance multiple vehicles at once or over time.
Unmatched Flexibility
Traditional loans restrict your choice. Use your Flexline to buy new or used vehicles, buy out leases, or refinance existing loans.
Carputty's Flexline does what traditional lenders can't
Apply securely from your phone or computer. Get approved in minutes.
Finance multiple vehicles and manage everything in one easy payment.
Only use the credit you need at the time with no fees if you aren't using it.
One rate applies to any transaction and eligible vehicle.
How it Works
Watch this video to see how Flexline, powered by Carputty, is making auto financing better.
How it Works
Start with a quick application to explore your financing options—without impacting your credit.
1. Check Pre-Qualification:
Submit a few details for a soft credit check. You’ll instantly see your pre-qualified amount.
Submit a few details for a soft credit check. You’ll instantly see your pre-qualified amount.
2. Add a Vehicle:
Submit VIN, mileage, and dealership details.
Submit VIN, mileage, and dealership details.
3. Final Approval:
Once your info is submitted, we’ll run a hard credit check and finalize your loan terms.
Once your info is submitted, we’ll run a hard credit check and finalize your loan terms.
4. Fund & Drive:
Once approved, funds will go directly to the seller, and you're ready to drive.
Apply NowOnce approved, funds will go directly to the seller, and you're ready to drive.
Hear what other members have to say
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Behind the wheel
Hear what our members have to say.
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Steven S.
Great insight into when to sell
“The site also has [given] us great insight into when the best time to sell the Tiguan.”
Noel M.
Unbelievable service, seriously.
“I will always buy my vehicles through Carputty.”
Alexander L.
Lines of credit for auto financing
“I now have a line of credit I can use towards future car purchases...”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Leon A.
A great fintech company
“Their process is smooth and seamless from beginning to end.”
Corey H.
Carputty has changed the game.
“Carputty makes the finance portion [of automotive transactions] seamless...”
Terry B.
Easy, seamless and fast
“Carputty made buying a breeze. Great experience great customer service!”
Ready for a better way to finance your vehicles?
Carputty’s Flexline is smarter, more flexible vehicle financing that can last a lifetime. Get pre-approved with no impact to your credit score.
Get StartedFAQs
How is Carputty different from other lenders?
Carputty was built to modernize auto financing. We’ve replaced outdated, one-size-fits-all loans with a smarter, more flexible approach that puts the power back in the hands of the buyer. Our platform is designed for transparency, security, and control—helping you finance vehicles on your terms, track their value in real time, and make decisions with confidence. Whether you're buying one car or managing a fleet, Carputty offers tools that evolve with you.
What are Carputty's Flexloan™ eligibility requirements?
To qualify for a Flexloan, you must be at least 18 years old, reside in a supported U.S. state (excluding DC, MS, and NV), and have a minimum credit score of 600. Eligible vehicles must be 10 years old or newer, have fewer than 150,000 miles, and hold a clean, marketable title. Flexloans are single-vehicle loans serviced by Westlake Financial and can be used for new or used purchases, refinancing, or lease buyouts. You can view your Flexloan in the Carputty dashboard, but all payments and account management must be handled through Westlake.
Can I get a Flexloan™ if I already have existing car loans?
If you have an existing car loan, you may still be eligible for a Flexloan. However, Westlake Direct limits borrowers to a maximum of two active auto loans at any given time. If you already have two or more open auto loans, you would not be eligible for a Flexloan.
