Free · No credit pull
Can you afford that car?
See how an auto lender reads your file — your likely rate tier, the estimated payment, whether it fits your income, and the fastest thing to fix. No credit pull.
This readiness check runs interactively with JavaScript. What approvers look for:
What auto lenders look for
- ◆ Credit tier to APR — rates swing widely by credit (10+ points)
- ◆ Payment-to-income — keep the car payment under about 10 to 15% of gross
- ◆ Down payment — 20% new / 10% used avoids negative equity
- ◆ Pre-approval — credit unions often beat dealer financing
More readiness checks