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Carputty 2023 auto loan review. Published 2023-01-26 at 15:27:17.
Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of using loans to buy a car.







Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He values transparent reporting that allows readers to successfully land deals and make the most appropriate choices regarding their money. He specializes in auto and small business loans.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering interactive financial calculators and tools, publishing original and objective content, by enabling you to conduct research and compare data for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this website come from companies who pay us. This compensation may impact how and where products appear on the site, such as such things as the order in which they appear within the listing categories in the event that they are not permitted by law. Our mortgage, home equity and other products for home loans. This compensation, however, does affect the content we publish or the reviews you read on this site. We do not contain the entire universe of businesses or financial deals that could be open to you.




About our reviews . Editorial disclosure Reviewers are supervised by our staff. The opinions expressed are solely the views of the reviewer. They are not reviewed or acknowledged by any advertising company. The information, including rates and fees, presented in the review are accurate at the time when the review first appeared. Check the data on the right and the lender's website for the most recent information.








At a glance 4.0 Rating: 4 stars out of 5
Score of the Bankrate

The Availability Rated: 4.3 stars out of 5
The Affordability Score: 2.8 stars out of five
Customer Experience Rating: 3.8 5 stars from five
Transparency Rating 5-stars out of 5.


Compare rates for auto loan rates

About Carputty Loan amounts Lines ranging from $25,000 to $250,000.
Min. credit score Not specified
APR from 7.14%-9.64 Percent
Funds are available as soon as the next day.



Carputty pros and cons Borrowers are able to finance for higher than usual amounts and benefit from fast funding. But, it isn't available in all states.

PROS Car buying assistance
Maximum amount of loan loan amount
Preapproval

ConS APR High Minimum
Inconsistency in repayment terms





Carputty is an online direct lender that offering unique line of credit financing process known as Flexline. Through a single application, users can manage all of their vehicles over the duration of their ownership through this line of credit. Carputty allows its customers to manage their vehicle loans in the same way as they manage similar financial investments, which allows for flexibility when it comes to purchase or sell.

Do you qualify? Carputty does not provide particular requirements for credit score or income, but to apply applicants must be 18 years of age, employed and a legal resident of the United States. Residency. You must be a resident in the states listed below: AK, AR, AZ, CO, CT, DC, FL, GA, IA, IL, KY, MA, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA or WI. Vehicle. The financed vehicle must have a model year that is less than eight years old prior to the application and have fewer than 85,000 miles. Loan-to-value. For those purchasing used vehicles, the LTV cannot be more than 110 percent (for used vehicles in the current year the figure is calculated as 90 percent of MSRP). For new vehicles it is required that the LTV should not exceed 100 percent of MSRP. What we like and what we dislike While the Flexline program helps make financing a vehicle effortless, Carputty might not be the most suitable lender for every driver. What we like Car buying assistance. Carputty provides borrowers with assistance during the buying process by using the V3 tool that helps buyers determine the best time to buy. The maximum loan amount. The loan amount is up to $150,000 per vehicle and $250,000 in total- on the higher end compared to traditional competitors. Preapproval. With the option of applying for , you'll get an idea of your monthly payment before signing off for your loan. What we do not like about high minimum APR. An APR starting at 7.14 percent is a bit too high. People with good credit might get cheaper rates at other banks. Confusing repayment terms. Your balance is subject to period of 36 months for repayment, however, there are options to extend it by a specific amount or repay it early but none of these options are spelled out on Carputty's website. How to contact Carputty Carputty provides customer support on a daily basis via chat on its site from 8 a.m. until 6 p.m. ET or by email at help@carputty.com. Outside of the chat function, Carputty has a fairly in-depth FAQ section that outlines the application and financing process. The types of auto loan forms offered Carputty provide auto loans for people who wish to finance a new or used car, or consolidate an existing loan or even the process of a lease buyout. Credit lines can vary from $25,000 to $250,000. Individual advances can be as low as $10,000 to 150,000 (provided you have the credit to draw upon). The terms for repayment are complex. After you've been approved for a line of credit, you have 24 months to begin using it or it will be closedand it's active indefinitely if in use. Putting a balance on the LOC by financing a vehicle starts a 36-month term. At month 20 it is possible to continue your current repayment program or refinance it for another 24-month period (extending the repayment period to a total of) or repay the loan early. The V3 valuation tool developed by Carputty assists in determining when the or sell your car is due, based on market data. Valuation can be run ahead of loan application on the Carputty site. This monitors and tracks the vehicle's value to ensure that at any point in ownership you can choose to sell your car based on the market's trends. Used and new automobile loans
Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%


The highest limit loan value of $250,000 allows Carputty a strong option for those who are financing an expensive new car or a number of vehicles at once. Refinance
Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%


Refinancing the current car loan could result in a lower monthly payment or better rates. Take advantage of a to see if refinancing your loan can really reduce your expenses. Lease buyout
Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%


If you're interested in purchasing your lease-owned vehicle, Carputty offers assistance and assistance throughout the entire process. Lease buyouts can allow you avoid costly wear and tear costs and let you keep your current car. How do you apply for a loan through Carputty It is possible to apply for an automobile loan directly on the Carputty site with approval likely in minutes. By submitting a single application, you'll be granted the option of a flexible line of credit that can be used at any point. When you first apply you'll be subject to an initial soft credit pull, followed by a harder credit pull once the line of credit is finalized. The Atlanta-based lender may also perform a soft credit pull every 45 days to monitor your credit. According to the website the rates you are offered will be based on the credit score of yours, and not your vehicle information such as the year, make or model, which is a stand-out characteristic when compared with traditional lenders. If you're not able to get credit due to low credit scores, it's recommended to use different underwriting guidelines, not like Carputty. The funds will be available as soon as the day you apply. Once you are accepted, you'll have an access point to your secure account from which you can monitor your current loans or purchase new vehicles.
Application requirements Contact information for Social Security number. Proof of employment


Unlike many other lenders Carputty does not require car details until the preapproval procedure has been completed. At that point, you will input vehicle details such as, model, year, make and license plate number into Carputty's dashboard. Carputty dashboard.
Carputty FAQs
Is Carputty a reputable lender? Sure, Carputty has been certified by Better Business Bureau since early 2022 and aims to expand its coverage throughout the state.



Do I qualify for an auto loan using Carputty if I have poor credit? Carputty uses credit score as the main determinant for the risk, so people with low credit might not get the most competitive rates. Instead, look into options for .



How can I pay off my auto loan using Carputty? You can pay or schedule a payment online by signing in to your account and connecting your payment method.



What rates does Bankrate charge Carputty
Overall Score
4.0
The availability
4.3
While the lender boasts a large loan quantity, the lender currently is only serving 32 states.
Affordability
2.8
The potential for fees and high minimum APR decreases the overall strength of this category.
Customer Experience
3.8
Carputty only offers support from Monday through Friday during an hourly basis.
Transparency
5.0
The ability to prequalify applicants and provide fees and rates disclosure gives Carputty a perfect score.


Methodology Bankrate considers 18 data points when selecting top auto loans. Acceptance criteria, the rates or fees available and APR range all influence lender scores. These scores are split in four different categories. Accessibility: Loan amounts, repayment options, dealership requirements and availability to state are a part of this section. Accessibility: This section includes APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: The length of time you'll need to shop for, the customer service hours and whether or not there's an app and availability of autopay are all taken care within this segment. Transparency: This section accounts for the accessibility of rates and fees along with whether prequalification is available.
Disclaimer Reviewers are supervised by Bankrate.com staff. The opinions expressed are solely those of the reviewer and have not been evaluated or acknowledged by any advertiser. The information such as rates and charges that are included in the review is accurate at the time when the review first appeared. Look over the information on the right and the lender's site for the most recent information.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of using loans to buy the car they want.
Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He believes in clear reporting that helps readers easily land deals and make the best decisions for their financials. He specializes in auto and small business loans.

















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