Buy out your lease with Flexline™ and skip dealership drama

Discover the smartest, most straightforward way to buy out your leased vehicle.

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Won't affect your credit score

Leave Traditional Auto Loans In The Past

The Future of Auto Financing

Pre-approval to buy out your lease with Flexline takes just minutes with one application and transparent rates tied to your credit profile with no hidden fees, or complex terms.

A Lifetime of Auto Financing

One application gets you a lifetime line of credit of up to $250,000 ($800,000 for LLCs) to buy out your lease and finance all your future vehicles.*

Transparency & Simplicity

Minimize your time in the dealer finance office with a stress-free lease buyout experience that avoids cumbersome paperwork, rate markups and other dealer hassles.

Unmatched Flexibility

Traditional loans restrict your choice. In addition to buying out your lease, you can use your Flexline to buy new or used vehicles or refinance existing loans.

Flexline makes buying out your lease fast, easy, and flexible.

Apply securely from your phone or computer. Get approved in minutes.

Only use the credit you need at the time with no fees if you aren't using it.

Finance multiple vehicles and manage everything in one easy payment.

One rate applies to any transaction and eligible vehicle.

V3 Valuation by Carputty

Buy Out Your Lease With Confidence

Check the value of your leased vehicle and compare it the residual value on your lease agreement. If the value is higher than your residual value, you may want to consider buying out your lease.

We use over a million industry data points from auctions, dealerships, and private sales to give you the most accurate and unbiased values.

How it Works

Watch this video to see how Flexline, powered by Carputty, is making auto financing better.

Apply once & get access for life.

Your Carputty 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:
2016 or newer
Current Rates Starting At:
6.83%
Apply Now

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!”

Ready for a better way to buy out your lease?

Apply for your Carputty Flexline today to experience smarter, more flexible vehicle financing that can last a lifetime. Get pre-approved with no impact to your credit score.

Get Started

FAQs

How is Carputty different from other lenders?

Unlike a traditional auto loan, your Flexline™ is a line of credit—versus a single loan—that can be used as often as you need to buy out a lease, refinance, or purchase as many eligible vehicles that will fit within your line. Additionally, the interest rate associated with your line of credit stays the same when you add a new vehicle to your line regardless of the vehicle's make, model, year, and transaction type.

Why should I get a Flexline™?

A Carputty Flexline of credit is tied to you, not a specific car. This flexible, revolving line of credit is designed to seamlessly finance all of the vehicles in your garage—new or used, present and future. When you pay down your balance, your Flexline funds become available again to use on other vehicles. Once you’ve been approved for a Flexline, you never have to apply for an auto loan again!

Can I use my Flexline™ to buy out my lease if the lease requires me to complete the transaction at the dealership?

Yes, you can use your Flexline™ for the transaction if your dealership is handling the lease buyout. Simply present the retail paperwork in the name of the line holder to include the asset(s) in your credit line. The dealership acts as the seller for each asset you add to your line. Note that additional sales tax may apply unless you reside in a tax-exempt state like Alaska.

Ensure the vehicle owner matches the Flexline™ borrower:

  • If your line is in your personal name, the vehicles must be titled to you personally.
  • If your line is in your business name, the vehicles must be titled to your business.

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.