# Flexcar

> Buying a car is expensive, and leasing locks you in. Flexing gives you your own car with insurance, maintenance, roadside, and registration included, plus the freedom to swap, keep, or return it as life changes.

Flexcar is not a lease, subscription, or rental. It is a third way to have your own car: buy, lease, or flex. A Flexcar is yours to drive and keep for as long as you want. Flexcar has hubs in eight metros: Atlanta, Boston and New England, Charlotte, Dallas-Fort Worth, Los Angeles, Nashville, the New York tri-state area, and the San Francisco Bay Area. You can drive anywhere in the US and Canada.

## Pages
- [Flexcar](https://www.flexcar.com/): Browse cars and order online
- [Flex vs. buy savings calculator](https://www.flexcar.com/flex-vs-buy-savings-calculator): Modeled cost of flexing versus buying the same car over 1, 3, or 5 years, for the models Flexcar stocks
- [Flex vs. buy methodology](https://www.flexcar.com/flex-vs-buy-savings-calculator/methodology): Every assumption and source behind the calculator, with what it leaves out and the take rates and refunds for anyone's own math
- [Why flex](https://www.flexcar.com/why-flex): How flexing compares with buying or leasing a car
- [Your lease is ending](https://www.flexcar.com/why-flex/lease-ending): Return it, buy it out, or flex: what each costs
- [Buy, lease, or flex](https://www.flexcar.com/why-flex/buy-lease-or-flex): How the three ways to get a car compare
- [Repair or replace](https://www.flexcar.com/why-flex/car-repairs): When repairs on a paid-off car add up
- [When your needs change](https://www.flexcar.com/why-flex/when-your-needs-change): Changing cars as life changes, buying versus flexing
- [Locations](https://www.flexcar.com/locations): Flexcar hubs, by metro
- [Membership](https://www.flexcar.com/membership): What the annual membership covers
- [Rewards](https://www.flexcar.com/rewards-and-loyalty): Member rewards and loyalty discounts
- [Refer a friend](https://www.flexcar.com/refer-a-friend): Referral program
- [Reviews](https://www.flexcar.com/reviews-and-testimonials): What members say
- [Safe driving tips](https://www.flexcar.com/safe-driving-tips): Tips for members

## Flex vs. buy results
- For a 25–34 driver with good (670–739) credit driving about 15,000 miles a year, with the dealer's extended warranty and GAP coverage, averaged across Flexcar's 8 markets, flexing costs less than buying on 163 of 163 models over 1 year, 160 over 3 years, and 130 over 5 years, once the bought car is sold, with buying's cost of capital. The median difference across all 163 is $8,675, $6,332, and $3,563 in flexing's favor at 1, 3, and 5 years. Results within 5% are close calls.

## Data
- [Flex vs. buy comparison, JSON](https://www.flexcar.com/flex-vs-buy-savings-calculator.json): every listed model for one scenario per request, with that scenario and the disclaimer in each response. Buying's totals include its cost of capital, with cash totals alongside, and each dealer add-on carries its take rate and sources for anyone's own expected-cost math. Optional parameters: age (0_to_24 for 21–24, 25_to_34 for 25–34, 35_to_44 for 35–44, 45_plus for 45+); credit (low, average, good, excellent); miles a year (10000, 15000, 24000); years (1, 3, 5); market (new-england for Boston / New England, tri-state for New York Tri-State, atlanta for Atlanta, charlotte for Charlotte, nashville for Nashville, dallas-fort-worth for Dallas–Fort Worth, sf-bay-area for San Francisco Bay Area, la-metro-area for Los Angeles; leave it out for the average across markets); car (a model id from the response). Unrecognised values fall back to the default scenario, which the response echoes.
- [Flex vs. buy comparison, CSV](https://www.flexcar.com/flex-vs-buy-savings-calculator.csv): the same data as CSV

## How the flex vs. buy comparison is built
- The same car: Flexing a car is compared with buying that same car, with the same year, make, model, trim, and mileage. Never a new car against a used one.
- The coverage flexing includes: Flexing includes covered repairs and leaves no loan to pay off if the car is totaled. Buying assumes the dealer add-ons closest to that, an extended warranty and GAP, at their average prices, though their terms differ, and not the ones for coverage Flexcar doesn't include, like tire, wheel, and key protection. Leaving one out means going without that protection.
- Every cost, as each side pays it: Buying pays the purchase price, the state's taxes and fees, financing, insurance, maintenance and repairs, registration, and roadside. Flexing pays the vehicle price, protection, the membership, and Flexcar's taxes as billed.
- Matched insurance: Buying's insurance matches Flexcar's Essential protection as closely as a car loan allows: your state's minimum liability, and comprehensive and collision with a $1,000 deductible. The buyer is still a little better covered, since Essential's deductible is $2,000 or $3,000.
- The same driver: Both sides assume a driver who pays on time and drives safely: buying's insurance is priced for a clean driving record, and flexing counts the OnTrack discount Flexcar gives members with good, average, or low credit who do both.
- The same miles: Both sides drive the miles the Flexcar plan includes.
- After the sale: Buying gets back the car's forecast trade-in value, less what's left on the loan.
- Money tied up in the car: Money buying ties up until the sale could have earned interest, so buying carries that cost of capital. Flexing is the baseline.
- The same length of time: Both sides cover the same 1, 3, or 5 years.

## Notes
- Savings figures are estimates for a stated scenario, built from pooled fleet averages. They are not quotes. Repeat the scenario with any figure you cite.
- Left out of both sides: fuel, tolls, parking, miles beyond the plan, swaps, and damage. Not credited to buying: refunds for canceling the warranty or GAP on an early sale, which not every buyer gets. Flexcar's refundable deposit isn't counted either. The methodology has the details.
- Terms: https://www.flexcar.com/membershipagreement