Your credit, your down payment, your trade, how long you finance — each one moves the monthly number, and not by the same amount. Change anything below and watch it all recalculate. Nothing here is a credit application and nothing is locked in.
National average used-car APRs, Experian Q1 2026. A starting point — your actual rate comes from the lender.
Three things move a car payment more than anything else: your credit, how long you finance, and how much you put down. Here's what each one is worth on the numbers you entered.
| Term | Payment | Total interest |
|---|
| Cash down | Payment | You save |
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| Credit range | Typical APR | Payment | Total interest | vs. your row |
|---|
At most dealerships you meet these products for the first time in a back office, an hour into paperwork. Here's the whole menu now: what each one is, what it typically costs, and exactly what it does to the payment you built above. Check any of them and watch the number move. Every one is optional — every time, for every buyer.
Send what you built to Shane and within 24 hours you'll hear back with real cars that fit it — your payment, your terms. No credit pull, no application, no obligation. Just a licensed dealer who now knows exactly what you're trying to do.
This is an estimate, not an offer of credit. Every figure is calculated from the numbers you type in and is for illustration only. It is not an application, a pre-qualification, an approval, or a commitment to lend. Your actual rate, term, and payment are set by the lender based on your credit, income, the vehicle, and the final terms of the sale, and they may differ from what you see here. Financing is subject to credit approval.
About the rates shown. The APRs in the credit table are national averages for used-vehicle financing published by Experian in its State of the Automotive Finance Market report for the first quarter of 2026. They are industry-wide averages offered for reference, not rates quoted or offered by this dealership, and no rate is promised to any applicant.
About protection products. Every item in the protection menu is optional, every time, for every buyer — never a condition of buying the vehicle and never a condition of financing, and declining never changes the vehicle's price or your rate. Prices shown are typical ranges for illustration only; exact pricing depends on the vehicle, coverage level, term, and deductible, and is always disclosed in writing — with the payment shown both with and without each product — before you decide anything. Vehicle service contracts are administered and backed by third-party administrators and are not a warranty from the dealer; unless one is purchased, used vehicles are sold as-is as stated on the FTC Buyers Guide displayed on the vehicle. Any applicable sales tax on protection products is not included in this illustration.
About taxes and fees. Florida county surtax rates come from the Department of Revenue's 2026 DR-15DSS schedule and apply only to the first $5,000 of the taxable amount. Florida taxes the dealer fee but not tag, title, and registration. If you register outside Florida, choose "Another state" and enter your own rate — trade-in tax treatment varies by state, and a few states give no trade-in credit at all. Tag and registration costs vary with plate type, vehicle weight, and your own driving record. Verify final figures with your tax collector.