Carputty

Carputty operates a digital auto financing platform for consumers buying new or used vehicles in the United States. Its core product, Flexloan, is a one-time, fixed-rate financing option for a single vehicle purchase, funded through Carputty's lending partner Westlake Direct. Borrowers can finance between $8,500 and $45,000, with terms from 24 to 72 months, subject to a minimum credit score of 600 and other factors; eligible vehicles must be up to 10 years old with no more than 150,000 miles.

The process is self-serve and online: applicants submit a short form for a soft credit check that returns a pre-qualified amount without affecting their credit score, then add the specific vehicle by supplying VIN, mileage and dealership details. A hard credit check follows for final approval and terms, after which funds are disbursed directly to the seller. Because pre-qualification precedes vehicle selection, buyers can shop with a known budget and use the loan at any eligible dealership rather than submitting multiple dealer credit applications.

Alongside financing, Carputty provides V\u00b3 Valuation, a tool that tracks and projects a vehicle's value over time to inform buying and selling decisions. Customer testimonials on the site also reference lines of credit usable toward future car purchases.

Business model

Carputty originates consumer auto financing digitally, with loans funded through its lending partner Westlake Direct rather than being made directly by Carputty, and supplements the lending experience with vehicle valuation data tools.