The smarter way
to finance all your vehicles.

Get approved for up to
$250K in minutes.

Apply Now
Won't affect your credit score

The Carputty Flexline just may be the
last auto “loan” you’ll ever need.

The Carputty Flexline just may be the last auto “loan” you’ll ever need.

The automotive line of credit that gives you the flexibility of a credit card, the power of cash,and the insights to make better decisions.

Get approved for up to $250K in minutes

Use it to purchase new or used vehicles, buyout leases, or refinance loans

One rate applies to any transaction and eligible vehicle

Finance multiple vehicles without needing to reapply

Apply now

How it Works

Learn more about 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:
2015 or newer
Current Rates Starting At:
6.82%
Apply Now

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...”
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!”

Get started with our simple online application.

1
Get pre-approved with no impact to your credit score
2
Find out your rate and Flexline amount ($25- $250K).
3
Lock in final approval with a hard credit check once you’re ready.

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 many times as you need over generations of vehicles 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 and year and transaction type.

Am I likely to get approved for a Flexline™?

The Flexline is designed for consumers with good-to-excellent credit. This tends to correspond with a FICO score of 680 or higher, although a high credit score does not guarantee approval. We consider your entire credit profile in our evaluation process and we do not believe that there is a single definition of “good credit”. Like other lenders, we consider an applicant's credit history, payment history, and income vs debt.

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.