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Start with Your Budget, Not the Sticker Price
Most people shop for a car by browsing inventory and hoping the payment works out. This tool flips the script — start with the monthly payment you're comfortable with and we'll show you exactly what vehicle price range fits your budget. Then shop our inventory with confidence.
Enter Your Budget
Estimated at 8.99% APR over 72 monthsThis is an average rate. Your actual rate will be determined by your credit profile.
Your Buying Power
You Can Afford a Vehicle Up To
$28,850
based on $450/mo at 8.99% APR
Monthly Payment
$450
Loan Term
72 months
Interest Rate (APR)
8.99%
Total Loan Amount
$28,850
Down Payment
+$0
Trade-In Value
+$0
Max Vehicle Price
$28,850
Disclaimer: This tool provides an estimate based on a fixed 8.99% APR over a 72-month term. Your actual interest rate will be determined by your credit history, the lender, and other factors. This estimate does not include taxes, title, registration, or documentation fees. Actual purchasing power may be higher or lower depending on your approved rate and terms. For an accurate, personalized number, apply for financing and let our lenders compete for your business.
How It Works
1
Set Your Budget
Enter the monthly payment you're comfortable with. Don't stretch — pick a number that fits your real budget.
2
Add Down & Trade
If you have cash for a down payment or a vehicle to trade in, add those amounts to increase your buying power.
3
See Your Max Price
We calculate the maximum vehicle price you can afford based on your inputs and a standard financing scenario.
4
Shop with Confidence
Click "Shop Vehicles in Your Budget" to browse our inventory filtered to vehicles in your price range.
Tips for Maximizing Your Buying Power
A few smart moves can significantly increase what you can afford without stretching your monthly budget:
Bring a Down Payment
Even $2,000–$3,000 down increases your max vehicle price by that same amount while keeping your payment the same. It also reduces your total interest paid over the life of the loan.
Trade In Your Current Vehicle
Your trade-in works just like a down payment. Get your trade-in value here — you might be surprised what it's worth.
Improve Your Credit First
A better credit score means a lower interest rate. At a lower rate, the same monthly payment supports a higher vehicle price. Even a 2–3% rate drop can add thousands to your buying power.
Get Pre-Approved
Pre-approval gives you your actual rate — not an estimate. That means an accurate budget and real negotiating confidence. Apply here — it takes minutes.
Buying Power FAQs
We use 8.99% as a reasonable average rate to give you a useful ballpark estimate. Your actual rate will depend on your credit score, the lender, and the vehicle. If your credit is strong, your rate may be lower — which means your buying power is actually higher than what this tool shows. The only way to know your real rate is to apply for financing.
This estimate does not include taxes, title, registration, or doc fees. In practice, those items are typically a few hundred to a couple thousand dollars depending on the vehicle and your municipality. Your actual max vehicle price may be slightly lower once all fees are factored in.
72 months is the most common loan term we see today and provides a good middle ground between monthly affordability and total interest cost. If you prefer a shorter or longer term, our payment calculator lets you adjust the term to see how it affects your payment.
We work with multiple lenders that serve all credit types — from excellent to challenged. Your rate may be higher than 8.99% if your credit needs work, which would lower your buying power slightly. But getting pre-approved is the best first step — it gives you real numbers to work with, and our finance team will work to find the best rate available to you.
It's a solid estimate for planning purposes. Your actual buying power depends on your approved interest rate, the specific vehicle, and any applicable taxes and fees. If your approved rate is lower than 8.99%, your buying power goes up. If it's higher, your buying power goes down. Pre-approval gives you the exact number.
Finance Office
Location
26874 SD Highway 11, Sioux Falls, SD
Get Pre-Approved
Want Your Exact Number?
Get pre-approved in minutes and we'll show you your real rate, your real buying power, and the exact vehicles that fit your budget.
Apply for Financing