How much car will my payment buy? Car Affordability Calculator Enter your monthly payment, credit range, and loan term to see how much you can afford to spend on a car. Monthly Payment ($/month) Credit Score Excellent (781-850) Good (661-780) Average (601-660) Needs Work (501-600) Not Good (300-500) Source: "Average rates source: Experian Information Solutions and based on VantageScore credit scoring model." Condition NEW USED Proposed Loan Term (In months) 12 months 24 months 36 months 48 months 60 months 72 months Down Payment ($) (optional) Trade In Value ($) (optional)