What Is a Flexloan™?
The Carputty Flexloan is a simple, straightforward auto loan for financing one vehicle. Designed for buyers who want transparent terms and a predictable monthly payment, Flexioan offers competitive rates starting at 5.54% for qualified applicants with credit scores of 580 or higher. Complete a secure online applicati and receive pre-qualification in minutes - without impacting you credit score.
- One fast online application with no guesswork
- Pre-qualify for $8,000-$45k, with no impact to credit score
- Available to customers with credit score starting at 580
- Shop vehicles up to 12 years old and 200k miles
- No need to select or finalize your vehicle to apply
- Loan terms from 24-72 months (based on vehicle)
Eligibility Guidelines
Our program guidelines ensure a smooth experience for both dealers and customers:
- Must be at least 18 years old
- Must be a U.S. citizen or resident with proof of status
- Must have a credit score of 580 or higher
- Must reside in a state where Carputty operates
How is the Flexloan different from other types of loans?
Flexloan is a traditional auto loan designed for buyers who want clarity and ease to see terms on multiple vehicles before choosing You are Pre-qualified for a borrowing amount BEFORE you pick a vehicle. Get predictable monthly payments and speed through our partner dealership.
Am I likely to get approved for a Flexloan?
Flexloan is designed to support a wide range of consumers, including those with near-prime or subprime credit. While eligibility typically starts at a credit score of 580 or higher, approval is not based on credit score alone. Carputty evaluates the full credit profile, including payment history, income, and debt obligations. A higher credit score does not guarantee approval, and we co not believe there is a single definition of "good credit."
Does Carputty have vehicle eligibility requirements?
Yes, vehicles need to be 12 years old or newer (oldest model year eligible is the current year minus 12) and have fewer than 200,000 miles.
Why this dealership?
This dealer uses modern software to support their operations and protect your privacy. Carputty is a technology tool that helps them help you! The goal is to improve vehicle selection, provide payment options and reduce consumer wait time.