Refinance today and give lower rates the right-of-way.

We made it easy with Flexline™.

A direct lender with lower rates
Get approved in just 2 minutes for up to $200k
Get 3 months of interest back to pay down your principal balance quicker
Dedicated expert to help you every step of the way
Check My Rate
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Won't affect your credit score
Smiling family standing next to vehicle they purchased with car financing from Carputty | Carputty
“Our interest rate dropped by more than 2%, and our monthly payment went down by about $200. The process was relatively smooth and easy. Carputty did an excellent job making sure we knew where we were in the process.”
- Alyssa S. in Atlanta, GA

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

Bank Loans.
Credit Unions.
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Use Carputty to:



Refinance your current car to lower rates/payment

Purchase New

Buy a new car from a dealership or retailer

Purchase Used

Buy a used car from a dealership or retailer
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Get approved in 2 minutes or less. Apply from your computer or phone.
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Only use the credit you need at the time. You pay nothing if you aren't using it.
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Supercharge your line with multiple vehicles all on one easy payment.
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Access to your secure online dashboard. See your payment, balance, & vehicles.
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We'll take the first 3 months of interest & pay down your principal balance.
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Track values and know the best times to buy and sell with our V3 Valuation tool.
Carputty Flexline™ Rates
Based on you, not your ride.
Carputty †
Avg APR*
New Purchase
Used Purchase
† Rates are determined by income and credit and a 63 month amortization. Your rate will be based on your credit and income data and may be different than the example provided

* Sources: Experian, RateGenius

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

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