Payment Calculator

* These calculations are for reference purposes only. All figures are estimates only and are not guaranteed as accurate. Always consult a professional financial advisor.

Get help with auto financing estimates by using the payment calculator!

Before you start browsing the selection of vehicles at our Cleveland TN dealership, it's a good idea to know your budget and how much you can afford each month. Instead of just guessing on a number, we help make things a little easier with our payment calculator tool!

To see what your auto financing could look like, all you need to enter is the following information:

  • Internet price (i.e., the price you see listed next to the vehicle)
  • Down payment amount (you can enter $0, if wanted)
  • The approximate financing rate (also known as the APR percentage)
  • How long you plan on taking to pay off your vehicle (we suggest keeping term lengths within 60 months, but there are options for 72 months and 84 months)

If this is the first time you've bought a car, you're probably unsure what to put down for your APR rate. While you will see 0% APR rates available on models you can drive around Collegedale, Chattanooga, and beyond, it's important to keep in mind that 0% rates often go to shoppers who have very strong credit scores and a credit history that has been around for a long time.

For drivers within the FICO "Good" category of credit scores who have an average history with no hiccups, we suggest starting in the 3%-4% to get an accurate appraisal; you can use decimals, too!  If you've had a few dings, start higher. It's always a good idea to play around with several different rates to see how they affect your monthly score, that way as you continue to shop for vehicles you'll stay within price ranges that you can find auto financing for without going outside of your budget.

If you still have questions after playing with our payment calculator, reach out to our financing department!

Ready to take the next step? Great! Whether you live in East Ridge TN or the surrounding area, stop in, check out our selection, and head out on a test drive of the vehicle you want to take home.


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