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
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
Set Your Budget
Enter the monthly payment you're comfortable with. Don't stretch. Pick a number that fits your real budget.
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.
See Your Max Price
We calculate the maximum vehicle price you can afford based on your inputs and a standard financing scenario.
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
Finance Office
Location
26874 SD Highway 11, Sioux Falls, SD
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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