How much car can you afford?
Start from your income and monthly obligations to frame a comfortable price range before you shop — instead of working backwards from a sticker price.
Your budget
Rent or mortgage, credit cards, student loans, and other required payments.
Credit band
Estimated APR: 6.50% (700–749)
Loan term
Comfortable
$31,110
Vehicle budget at a $550.00/mo payment — about 10% of your gross monthly income — over 60 months at an estimated 6.50% APR, including your $3,000 down payment.
Upper limit
$45,165
A stretch budget at a $825.00/mo payment — about 15% of gross monthly income. Payments above this level tend to crowd out savings and other goals.
Keep in mind: insurance, fuel, and maintenance typically add another 30–50% on top of the loan payment itself.
These are estimates only, not offers. The 10–15% payment-to-income guideline is a rule of thumb — your comfortable number depends on your full financial picture. Rates shown are illustrative estimates based on typical credit-band ranges.
These are estimates. See your real numbers.
About 3 minutes. No SSN required. Soft pull only — no impact to your credit score.
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