Check a deal

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33% completeVehicle
Step 1 of 3: VehicleAnswer only what you know. Use 0 for money fields when needed and leave optional fields blank.

Step 1

Vehicle basics

Vehicle year: enter the model year shown in the listing, title, or buyer's order. Example: 2022.
Vehicle brand: choose or type the manufacturer name shown in the listing, like Toyota, Chevrolet, Honda, or Ford.
Model: choose or type the exact model shown in the listing or contract, like Camry, Camaro, Civic, or F-150.
Trim: enter the version or package if you have it, like SE, XLE, Sport, or Limited.
Mileage: enter the odometer reading or the closest number shown in the listing or buyer's order.

Helpful for comparing value later.

Vehicle price: enter the selling price of the car before taxes, registration, and optional products. You can find it in the buyer's order or online listing.

The price before taxes, fees, trade-in, or down payment.

Optional: make the value check smarterVIN, ZIP code, seller type, and car condition

Skip this if you do not have the details yet. Add them later when you want a stronger premium review.

VIN: 17-character vehicle identification number. You can find it on the listing, title, windshield, or buyer's order.

Best for market value checks. You can skip it for now.

ZIP code: enter the ZIP where the vehicle is being sold or where you are shopping. This helps compare local pricing and lenders.

Used to compare pricing in the local market.

Seller type: choose whether the car is from a brand dealership, independent dealer, or private seller.

This helps separate dealer offers from private seller scenarios.

Car condition: choose new, certified pre-owned, or used based on the listing or seller.

Choose the closest option. Certified pre-owned usually means inspected and backed by a program.

Step 2

Loan and deal numbers

Dealer Fee: dealership paperwork or administrative charge. Enter the doc fee shown on the buyer's order or contract. It is not a government tax.

Enter 0 if there is no dealer/doc fee.

Sales taxes: enter the tax amount shown in the buyer's order, worksheet, or estimate. Do not enter the tax rate, enter the dollar amount.

Estimated or quoted tax amount.

Registration and title fees: enter the government tag, plate, title, or registration charges shown on the contract.

Tags, title, plates, and registration.

Down payment: the amount you plan to pay upfront in this scenario. Enter the amount you want to test, not necessarily all the cash you have.

Try a low, realistic amount first. You can increase it later if it improves the deal.

APR: annual percentage rate for the loan. Enter the percentage shown by the dealer or your estimate if you are testing a scenario.

Try multiple APRs to compare scenarios.

Loan term: how many months you would make payments. Common examples are 48, 60, 72, or 84 months.

Example: 48, 60, 72, or 84.

Trade-in value: enter the amount the dealer is giving you for your current car. You can find it in the buyer's order or appraisal line.

How much the seller gives you for your current car.

Payoff amount: if you still owe money on your current car, enter the remaining balance the dealer or lender must pay off.

Only if you still owe money on the trade-in.

Use this after you review the price, APR, term, taxes, fees, down payment, and trade-in values.

Your budget

Quick budget check

Just enough to estimate if the payment feels too tight. You can create an account later to save more details.

Monthly take-home income: enter what you usually receive after taxes each month. Use your real average, not the gross amount.

What usually hits your account after taxes.

Rent or mortgage: enter your normal monthly housing payment before adding this car payment.

Your housing payment before this car loan.

Maximum monthly payment: enter the monthly payment that feels personally safe for you, even if a lender might approve more.

Your personal comfort limit.

Credit score range: choose the closest range you think fits you. An estimate is enough.

An estimate is enough for a better read.

Optional detailsOther bills, debts, and cash you want to test
Other monthly bills: enter recurring bills like utilities, groceries, insurance, phone, or subscriptions.

Utilities, groceries, insurance, phone, and other recurring bills.

Other debt payments: enter monthly payments for credit cards, student loans, personal loans, or another vehicle.

Credit cards, loans, or another car payment.

Available down payment budget: enter the amount you feel comfortable using for this plan. This is for your planning, not a number you must reveal early.

Use the amount you want to test in this scenario.

Use this after you review the budget numbers you entered for this quick check.

Almost done

Anything else?

Notes: add anything important from the dealer, listing, or document that Mia should keep in mind.