Meet Flexloan™: Smarter car financing starts here
Get single-vehicle financing that’s fast, transparent, and designed to help you buy smarter.
Apply Now
Won't affect your credit score
Leave Traditional Auto Loans In The Past
Fast & Frictionless
Apply online in minutes and check if you pre-qualify, without impacting your credit score. No in-person paperwork required.
Transparency & Clarity
Get greater clarity, control and confidence with Flexloan’s straightforward, fixed-rate financing. Pre-qualify and know your buying power upfront.
The Power to Choose
Finance up to $45,000 for a single vehicle, and use it to buy any eligible new or used model from the dealership of your choice.
Data-Driven Insights
Make smarter buy and sell decisions with V³ Valuation™, which lets you track and predict any vehicle’s worth over time.
Flexloan: Straightforward single-vehicle financing.
A one-time auto financing option available through Carputty’s lending partner, Westlake Direct, for qualified individuals looking to fund a single vehicle purchase with straightforward terms.
Minimum Credit Score:
600*
600*
Loan Amount Range:
$8,500 - $45,000
$8,500 - $45,000
Use It To:
Buy new or used from a dealership
Buy new or used from a dealership
Vehicle Eligibility:
Up to 10 years old, and up to 150K miles
Up to 10 years old, and up to 150K miles
Terms:
24-72 months
24-72 months
*Pre-qualification is determined by credit score and other factors
Apply NowHow it Works
Start with a quick application to explore your financing options—without impacting your credit.
How it Works
Get on the road faster with one application.
Start with a quick application to explore your financing options—without impacting your credit.
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Check Pre-Qualification
Submit a few details for a soft credit check. You’ll instantly see your pre-qualified amount.
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Add a Vehicle
Submit VIN, mileage, and dealership details.
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Final Approval
Once your info is submitted, we’ll run a hard credit check and finalize your loan terms.
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Fund & Drive
Once 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?
Flexloan offers a clear, flexible alternative to traditional auto loans—powered by data and built for drivers like you.
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.
What types of transactions can I fund with a Flexloan™?
A Flexloan can be used to fund several types of vehicle transactions, including:
- New vehicle purchases
- Used vehicle purchases
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.
