Vehicle Affordability Questionnaire Form

Get a vehicle affordability estimate based on your budget, monthly payment comfort, and down‑payment amount. This quick questionnaire helps you understand how much car you can afford with zero sales pressure. Your responses remain private.

* Indicates questions requiring answers. Midpoints are used in computations for questions that request ranges.

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Household Monthly Income *

Your total gross (before-tax) monthly income, including anyone else in your household who will help pay for or drive this vehicle (a spouse/partner, co-signer, etc.). If your income varies month to month (overtime, bonuses, self-employment, tips), enter your average over the last 6–12 months.

How stable is your primary income? *

• Salaried / very stable
• Full-time hourly
• Self-employed
• Fixed income (Retirement / Disability / Pension)
• Contract / seasonal
• Variable / uncertain

What is your monthly rent or mortgage payment? *

• Under $1,000
• $1,000 – $2,000
• $2,000 – $3,000
• Over $3,000
• $0 / None (House paid off, living with family, etc.)

How much do you pay each month toward debts (credit cards, loans, etc.)? *

• None
• Under $500
• $500 – $1,000
• $1,000 – $2,000
• Over $2,000

Not including car payments.

Do you currently have a vehicle payment(s)? *

• No
• Yes – under $300
• Yes – $300–$600
• Yes – over $600
• Yes – over $900

What is your approximate credit score? *

• Under 580
• 580–640
• 640–700
• 700–760
• 760+

How much cash could you comfortably use for a vehicle purchase? *

How much emergency savings do you currently have? *

• None
• Less than 3 months of expenses
• 3–6 months of expenses
• More than 6 months

What monthly payment feels comfortable for you? *

• Under $250
• $250 – $400
• $400 – $600
• $600 – $800
• $800+

How many miles do you drive per year? *

• Under 8,000
• 8,000 – 12,000
• 12,000 – 15,000
• 15,000 – 20,000
• Over 20,000

How long do you typically keep a vehicle? *

• Less than 3 years
• 3–5 years
• 5–8 years
• Until it wears out

Which best describes your preference? *

• Lowest monthly payment
• Long-term ownership
• New vehicle every few years
• Not sure

How soon do you plan to acquire this vehicle? *

• Immediately (within 2 weeks)
• Within 1 to 2 months
• 3 to 6 months
• Just researching / exploring my budget

Will this vehicle replace your current vehicle or are you adding a vehicle? *

• Replacing my current vehicle
• Adding an additional vehicle to the household
• Neither replacing or adding.

Do you plan to trade in or sell an existing vehicle? *

• Yes
• No

If you are not sure run the Budget Agent once with a Yes and once with a No.

payment? pay purchase?

Estimated Trade in Value *

Click on the link below to get estimates from the top valuation sites.

Trade-in Value Sites

Loan Payoff Amount (if any) *

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