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01Financing

The loan, in plain numbers.

Three numbers decide a car payment: what you borrow, for how long, and at what rate. Set the first two here and see the third at work before you fill in anything.

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$Estimated monthly payment

$ a month for 60 months
Term, months
The estimate uses a fixed 7.0% APR. It is arithmetic, not an offer: the real rate comes from the lender.

02The same loan, four lengths

Shorter or longer?

A longer term lowers the payment and raises what the loan costs. This table recalculates from the numbers above: $40,000 borrowed at the estimate’s 7.0%.

TermMonthlyInterest over the whole loanInterestTotal paid
36 months $
48 months $
60 months $
72 months $

Computed with the calculator’s own formula. The highlighted row is the term picked above.

03Before you fill it in

What the form asks, and why.

An application is a short list of facts a lender needs. Nothing on it is there to sell you anything. Leave a line empty if you don’t have it to hand.

Two people going through figures at a table with a laptop
Last 4 digits of SSNSo the right credit file can be found. Four digits only, never the full number.
Monthly incomeShows what payment is comfortable. Before tax, as on a pay stub.
Credit scoreYour own estimate is enough here. It tells us where to start.
Loan termHow many months you would like to pay over. The table above shows what each choice costs.
Down paymentWhat you pay on the day. Every dollar here is a dollar you don’t borrow.
Make / model / year, stock #The car you have in mind. The stock number is on its listing. Not chosen yet? Leave both empty.
Date of birth, addressA lender has to know who is borrowing.

04After you press send

What happens, in order.

  1. 0.0

    It lands with us

    Your application goes to our team, with every line you filled in.

  2. 0.3

    We fill the gaps

    We get in touch to confirm the details and complete any line you left empty.

  3. 0.6

    You see the offer

    Rate, term and payment, set by the lender and put in front of you.

  4. 1.0

    Your call

    If the numbers suit, you go ahead. If they don’t, you say so.

05Apply

The application.

You

Where you live

The money

The car

Send what you have. A phone number and an email are enough to start.

06Questions

Money questions.

Q1Is the 7.0% in the calculator my rate?

No. It is a fixed figure the calculator uses so the estimate means the same thing for everyone. Your rate is set by the lender.

Q2Will an application show on my credit file?

That depends on how the lender checks your file. Ask us before you send the form and we will tell you which kind of check applies.

Q3Can I apply before I have picked a car?

Yes. Leave the car lines empty and tell us a budget when we speak.

Q4Can I pay the loan off early?

Early repayment is a term of the loan itself, so it is set by the lender. It is written into the offer you are shown.

The sums are done. Go and look at cars.

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