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Approvable
Pre-qualification, before you walk in

Know if you're approvable
before the test drive.

Approvable models the same DTI, LTV, and residual-income math lenders use — then stress-tests your deal so the dealership can't surprise you.

Run a scenario Create free account
No credit pullNo card requiredBuilt on the 28/36 rule
0+
Scenarios run
0%
Avg. confidence
0
Lenders modeled
Live preview
Decision SnapshotAcura MDX · $52,400
0%
Likely approvable
Post-deal DTI
31.4%
Residual income
$1,840/mo
Payment
$932
LTV
92%
APR
6.4%
APR rises +2%−7 pts
Down payment −$2k−3 pts
Trade equity +$1k+2 pts
Toyota RAV4 ·Honda Civic ·Ford F-150 ·Tesla Model 3 ·Acura MDX ·Subaru Outback ·Jeep Wrangler ·Mazda CX-5 ·Hyundai Tucson ·Volvo XC60 ·Chevy Silverado ·Kia Telluride ·Toyota RAV4 ·Honda Civic ·Ford F-150 ·Tesla Model 3 ·Acura MDX ·Subaru Outback ·Jeep Wrangler ·Mazda CX-5 ·Hyundai Tucson ·Volvo XC60 ·Chevy Silverado ·Kia Telluride ·

The engine

Four lenses on a single number.

Real lender math

Front-end and back-end DTI, LTV, and residual income — weighted the way underwriters weigh them.

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Stress tests built-in

See instantly what happens if APR jumps 2 points, your trade evaporates, or income drops 10%.

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Find your price

Reverse the calculation: what's the highest sticker that still keeps you under a 36% DTI?

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Bring proof to the lot

Download a one-page snapshot or a multi-page premium report you can hand to the F&I manager.

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Try it

Move a slider. Watch the math react.

An illustrative preview — the full calculator includes credit tiers, stress tests, and alternative deal structures.

$7,500
$1,200
$38,000
$4,000
Confidence
100%
Likely approvable
Est. payment
$664/mo
All-in monthly
$854
Post-deal DTI
27.4%
LTV
89%
Open full calculator

Methodology

Confidence, weighted.

Every input maps to a transparent weight. No black box. No mystery score.

40%
Post-deal DTI
All obligations + payment + insurance ÷ gross income.
30%
Credit score
Prime, near-prime, and subprime tiers map to APR add-ons.
20%
Loan-to-value
Loan ÷ vehicle price. >100% trips a negative-equity flag at signing.
10%
Residual income
What's left after every monthly obligation.

Field notes

Receipts from the lot.

"Walked into the dealership with the snapshot. They stopped negotiating against me."
Maya R.
First-time buyer
"The stress test caught a payment I would have regretted in six months."
Devon K.
Refinancing
"Finally a calculator that explains why, not just what."
Priya S.
CFP, fiduciary advisor

Walk in informed.

Two minutes of inputs. A decision-grade snapshot you can defend to any lender.

Open the calculator