Automakers, dealers and start-ups now offer car subscriptions as an alternative to the traditional financing model, which increasingly involves going into significant debt. The average monthly car loan payment is $533 for new cars and $397 for used vehicles, according to Edmunds, which provides information on the auto industry. "This is for people who want to have a car in the driveway all the time, but don't want a long-term car loan," said Jose Puente, founder and CEO of flexdrive.