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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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