Month-to-month flexible car lease company enhances underwriting and credit analytics to better serve drivers

BOSTON, December 3, 2025 — Flexcar, the first and only month-to-month car lease company, today announced a partnership with Carrington Labs, a leading provider of credit risk analytics and cash flow underwriting models. Through this partnership, Flexcar will strengthen its credit risk capabilities and enhance its underwriting performance, helping even more drivers access the flexibility and convenience of month-to-month car leases.

“Flexcar is focused on giving people a more affordable and accessible way to have a car, without the burden of multi-year loans or hidden costs,” said Ryan Quinlan, president of Flexcar. “Carrington Labs’ expertise helps us continue delivering on that promise for our members.”

As a leader in cash flow underwriting and credit risk analytics, Carrington Labs partners with forward-thinking companies to serve more customers, more fairly. This partnership reflects Carrington Labs’ commitment to measurable impact in financial technology.

“At Carrington Labs, we’re passionate about using data and technology to make finance fairer and more accessible,” said Jamie Twiss, CEO of Carrington Labs. “Our work with Flexcar brings these ideas to life, combining innovation with responsible credit practices to help more people get the support they need, when they need it.”

For more information about Flexcar, visit flexcar.com.

About Flexcar

Flexcar offers month-to-month flexible car leases with the ability to change cars or cancel anytime. Drivers can choose their car on the Flexcar website or mobile app and drive it for as long as they’d like. With Flexcar, everything is included in one monthly payment — insurance, maintenance, and roadside assistance. Learn more at flexcar.com.

About Carrington Labs

Carrington Labs is a leader in cash flow underwriting and credit risk analytics. We use modern data-science techniques, machine learning, explainable AI, and alternative data to help lenders transform their credit decisioning, deliver more precise offers to customers, increase approval rates, reduce losses, and improve margins.

Operating across consumer and small-business lending, Carrington Labs can pilot a tailored risk model in days and fully onboard a lender in days, delivering measurable gains in growth, portfolio quality, and overall returns.

For more information, visit carringtonlabs.com.