Walk in knowing the answer.
Model your score, price the loan, and check your trade-in before the dealership does — with free tools built on the same checks lenders run.
- Free tools
- 4
- Credit pulls
- 0
- Data sold
- 0
Tools that answer real loan questions
Use the right tool for the decision in front of you.
Start here
Model your score
Test payments, balances, inquiries, and missed-payment scenarios before you make a move.
Open the simulator
Loan math
Price the deal
Run payment, interest, and amortization numbers so the monthly payment is not the only number you see.
Open the calculator
Equity check
Avoid trade-in traps
See whether your current vehicle is helping your next deal or quietly making it harder.
Check your equity
Decision support
Compare lease vs buy
Compare the total cost of ownership, not just the lower advertised monthly number.
Run the comparison
20 minutes of homework
can be worth thousands at the finance desk.
Learn before you shop
Do the homework at your kitchen table, not at the dealership.
Plain-English guides on what lenders actually check — so the numbers at the desk are never a surprise.
Every tool here maps to one of them
The four things every lender checks first.
- Balances relative to limits.
- Recent missed payments.
- Loan structure and term.
- Trade-in equity.