Auto loans are broken.

So we fixed them with Flexline™.

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A direct lender with lower rates
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Use it to purchase new or used vehicles, buyout leases, or refinance loans
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Get pre-approved in just 2 minutes for up to $250k*
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Ideal for applicants with good-to-excellent credit**
Apply Now
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Won't affect your credit score

Many ways to finance & save.

Apply once & get access for life.

Purchase New

Buy a new car from a dealership or retailer

Purchase Used

Buy a used car from a dealership or retailer

Refinance

Refinance your current car to lower rates/payment

Lease Buyout

Buyout the lease on your current vehicle
“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.

Get approved in 2 minutes or less. Apply from your computer or phone.
Only use the credit you need at the time. You pay nothing if you aren't using it.
Supercharge your line with multiple vehicles all on one easy payment.
Access to your secure online dashboard. See your payment, balance, & vehicles.
Track values and know the best times to buy and sell with our V³ Valuation™ tool.

How it Works

Our simple, online application can get you one low, transparent interest rate for all your auto financing needs—present and future.

What to Know Before You Apply

The Carputty Flexline is ideal for applicants with good-to-excellent credit. While there is not a single definition of “good credit,” we generally find that Flexline members share the following characteristics: 
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Credit History

More than 2 years of strong credit history and a credit score of 680 or higher.**
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Income vs. Debt

Sufficient income to cover existing debts and more.
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Payment History

A 12-24 month track-record of on-time payments.
Will I Qualify? →
Carputty Flexline™ Rates
Based on you, not your ride.
New Purchase
6.57%
Used Purchase
6.57%
Refinance
6.57%
Lease Buyout
6.57%
† 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 from the example provided.

Get your Flexline with a low, transparent rate in minutes.

Get Started