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

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ins and outs of securely borrowing money to purchase a car.







Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since the end of 2022. He believes in transparent reporting that allows readers to confidently find deals and make the best choices for their money. He is a specialist in small and auto loans.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with financial calculators and interactive tools that provide objective and unique content. This allows you to conduct research and compare data for free to help you make informed financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website are provided by companies who pay us. This compensation could affect how and where products appear on this website, for example, for example, the order in which they be displayed within the listing categories, except where prohibited by law. This applies to our mortgage, home equity and other home lending products. This compensation, however, does not influence the content we publish or the reviews appear on this website. We do not cover the vast array of companies or financial offerings that could be open to you.




About our reviews . Editorial disclosure The reviews are written by our staff. The opinions expressed in them are only the opinions of the reviewer and have not been reviewed or approved by any advertising company. The information such as rates and charges that are included in the review are accurate up to the date that the review was written. Check the data at the top of this page as well as the lender's website to find the most recent details.








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

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


Find out about rates for auto loan rates

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



The pros and cons of using Carputty are that Borrowers are able to finance higher than normal amounts and enjoy fast financing. However, the product is not available in every state.

PROS Car buying assistance
High maximum loan amount
Preapproval

ConS APR High Minimum
Confusing repayment terms





Carputty is an online direct lender that offering unique line of credit financing process known as Flexline. With just one application, customers can control all their cars over the duration of their ownership through this line of credit. Carputty encourages its borrowers to manage their vehicle loans like they would any other asset in the financial market, allowing for flexibility in when to buy or sell.

Do you qualify? Carputty doesn't provide specific requirements for income or credit score However, in order to apply the applicant must be at or above 18 years old employed, and a legal citizen of the United States. Residency. You must reside 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 vehicle that is to be used for financing must have a model year less than 8 years prior to the application and be less than 85,000 miles. Loan-to-value. For those purchasing used vehicles the LTV should not surpass 110 percent (for current-year used vehicles the figure is calculated by 90 per cent of the MSRP). For new vehicles it is required that the LTV cannot surpass 100 percent MSRP. We like it and what don't like While the Flexline program helps make financing a vehicle effortless, Carputty might not be the ideal lender for every driver. What we love about Car buying assistance. Carputty offers borrowers assistance in the process of buying a car through the V3 tool that helps buyers to determine the ideal time to purchase. High maximum loan amount. Creditors can borrow up to $150,000 per vehicle and $250,000 in totalwhich is higher in comparison to traditional rivals. Preapproval. With the option of applying for , you'll get an idea of your monthly payments prior to signing for your loan. What we do not like about high minimum APR. A start-up APR of 7.14 percent is a bit too high. Those with excellent credit may obtain cheaper rates at other banks. Uncertain terms for repayment. The balance is subject to period of 36 months for repayment, however, you can extend it by a set amount or repay it early -- none of which are explained on the Carputty website. Contact information for Carputty Carputty provides customer support Monday through Friday via chat on its site from 8 a.m. to 6 p.m. EST or over email at help@carputty.com. Outside of the chat function, Carputty has a fairly detailed FAQ section which outlines the application and financing process. Auto loan forms provided Carputty provide auto loans for those who want to finance a brand new or used car, refinance an existing loan or undergo an lease buyout. Lines of credit range from $25,000 to $250,000. Individual advances can be as low as $10,000 to $150,000 (provided you have that much credit available to you). The terms for repayment are difficult to understand. After you've been approved for the line of credit, you have 24 months to start using it or it will close -- but it remains active indefinitely if in use. The process of putting a balance on the LOC by financing a vehicle will begin a term of 36 months. When the term is over, you have the option to keep your current repayment schedule, refinance for a further 24 months (extending the term of your repayment) or pay off the loan early. The V3 valuation tool pioneered by Carputty assists in determining when the best time to sell or trade in your car is due, based on market data. Valuation can be run prior to loan application directly through the Carputty website. This tracks and monitors vehicle value so that anytime during ownership you can decide to sell based on the market's trends. Used and new auto loans
Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%


The high maximum loan sum of $250,000 allows Carputty an ideal option for people who want to finance an expensive new vehicle or multiple vehicles at once. Refinance
Loan quick facts Amounts: $10,000-$150,000/car Terms: See above APR: 7.14%-9.64%


Refinancing your current vehicle loan could result in less monthly payments or better rates. Take advantage of a to see if refinancing your loan will 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 leased vehicle, Carputty offers assistance and assistance throughout the process. A lease buyout can help you to avoid steep wear and tear costs and permit you to hold onto your current vehicle. How to apply for a loan with Carputty You can apply for an auto loan through the Carputty site with approval likely within a matter of minutes. Through only one application you'll have access to a flexible credit line that can be used at any time. When you first apply, you will undergo a soft credit check followed by a hard credit pull when the credit line is completed. The Atlanta-based lender may also perform a credit pull that is soft every 45 days in order to keep track of your credit. According to the website, the rate you receive will be based on your credit score, not vehicle details like year, make or model this is a distinctive advantage over traditional lenders. But if you have bad credit, it's recommended to use different underwriting criteria, not unlike Carputty. Funding can become available on the day you submit your application. After approval, you'll gain access to a secure dashboard on which you will be able to manage your the current loans or add new vehicles.
Application requirements Personal contact information Social Security number. Proof of employment


Contrary to many other lenders, Carputty doesn't require any vehicle details until the preapproval process has been completed. Once that is done, you will input information about your vehicle, such as model, year, make and license plate number onto your Carputty dashboard.
Carputty FAQs
Is Carputty a reputable lender? Absolutely, Carputty has been certified by the Better Business Bureau since early 2022. It plans to increase its coverage throughout the state.



Can I obtain an auto loan using Carputty when I have bad credit? Carputty utilizes credit scores as the main factor in determining credit risk. Therefore, those with poor credit aren't likely to get the most competitive rates. Instead, check out the options available to .



What can I do to repay my car loan with Carputty? You can schedule or make a payment online by signing in to your account and connecting your payment method.



What are the rates of Bankrate? Carputty
Overall Score
4.0
Accessibility
4.3
While the lender boasts an impressive loan sum, they is only serving 32 states.
Affordability
2.8
The risk of charges as well as high APR decreases an otherwise strong category.
Customer Experience
3.8
Carputty only offers support Monday to Friday on a range of hours.
Transparency
5.0
The ability to prequalify applicants and provide rate and fee disclosures give Carputty an A+.


Methodology Bankrate considers 18 data points when choosing the best auto loans. Acceptance criteria, whether the rates or fees offered and the APR range are all factors that affect lender scores. These scores are broken up in four different categories. The availability of loans as well as repayment options, dealer requirements and availability to state are a part of this category. Accessibility: This section includes APR ranges as well as acceptance criteria, fees and discounts. Customer experience: The length of time you'll have to wait to buy and the availability of customer service, whether there's an app and autopay availability are accounted for in this section. Transparency: This category is responsible for the accessibility of rates and fees along with the availability of prequalification.
Disclosure of author: All reviews are prepared by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer and are not reviewed or accepted by any advertiser. The information that is included, including rates and fees, presented in the review are accurate as of the date of the review. Check the data at the top of this page, and the lender's website to find the most current details.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of taking out loans to purchase an automobile.
Edited by Helen Wilbers Edited by

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

















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