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How Much Car Can I Afford

Find out the maximum car price you can afford based on your income and expenses, using the 20/4/10 rule.

You can afford more when

  • You have a large down payment (20%+)
  • Your monthly debts are low
  • You qualify for 0% promotional financing
  • You have a high credit score (740+)
  • You choose a shorter loan term

Be conservative when

  • You have other major debts (student loans, mortgage)
  • Your income is variable or commission-based
  • You are saving for a house or other big purchase
  • You drive many miles (higher fuel/maintenance)
  • Interest rates are above 7%
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