Insights
What's helping and hurting your confidence — and the smallest changes that move the needle.
Factor waterfall
Weighted contribution to your 70% confidence score.
- Credit Score740Asset
Prime credit — unlocks the best APRs.
Weight 30% - Post-deal DTI37.0%Neutral
Inside extended guidelines but watch new debt.
Weight 40% - Loan-to-Value89%Asset
Solid equity from day one.
Weight 20% - Residual Income$2,918/moAsset
Healthy cushion after all obligations.
Weight 10%
Stress tests
Tap to ask the advisorWhat happens to your decision under three real-world shocks.
Alternative structures
Specific structural changes that would lift your confidence above 80%.
- Reduce vehicle price by $10,000
Drops payment to $478/mo and lifts confidence to 77%.
- Increase down payment by $7,500
Reduces LTV to 70% and lifts confidence to 77%.