What Is Carputty?
Carputty offers a modern alternative to traditional auto financing. Instead of a single-use loan, qualified applicants may receive a Flexline™, a reusable line of credit that can finance multiple vehicles—new or used, from retail or private party, lease buyouts, or refinances—over time. Your rate is tied to your credit profile, not the vehicle, and stays the same regardless of transaction type.
What sets Carputty apart is our inclusive approach to income. Unlike many traditional lenders that focus solely on W2 income, we consider your full financial picture—including 1099, self-employment, and other sources of income—to help more people access flexible, fairly priced auto financing.
Depending on your credit profile and financing needs, you may be offered a Flexloan™ through our lending partner, Westlake Direct—a one-time loan option ideal for funding a single vehicle. With either option, you’ll have access to a personalized Carputty member dashboard, where you can track your vehicle’s value with V³ Valuation™ and apply for additional auto financing as your credit profile improves.
