You must be 18 years old or otherwise have the ability to legally contract for vehicle financing in your state of residence, and either a U.S. citizen or resident alien (permanent or non-permanent) with proof of status. You must be employed and live in a state where Carputty offers Credit Accounts.

The Flexline is designed for consumers with good to excellent credit. This corresponds to a credit score of 700 or above; however, 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”. Qualification is based on a combination of credit history, payment patterns, and income-to-debt ratios, not just your score. 

If your score is 600 or above but doesn’t meet the Flexline threshold, you may still qualify for Flexloan™—a simple, one-time financing product with terms based on the vehicle.

A Carputty Flexline of credit will remain open as long as it is active. Once a member signs the line agreement, that line is accessible for up to 24 months. Any line will automatically terminate if it remains inactive for 24 consecutive months. Carputty members can add and remove a vehicle without ever needing to reapply.

A Flexloan™ will remain active and open until it’s paid off or the term ends. You’ll make regular payments over that period, and you can also set up autopay, make extra payments, or pay off the loan early via the Westlake Financial portal.

Yes. Vehicle eligibility depends on the financing product:

‍Flexline™: Vehicles must be 8 years old or newer and have fewer than 85,000 miles.

‍Flexloan™: Vehicles may be up to 10 years old with a maximum of 150,000 miles.*
*Subject to lender approval

These requirements help ensure vehicles maintain sufficient value, since they serve as collateral for your financing.