Auto Loan Deal Structure Mapper

Choose the structure that most closely matches a hypothetical auto deal. No dollar amounts, credit scores, income, account details, or other sensitive financial information are requested.

The mapper runs entirely in your browser and does not submit or store your selections.

1. How is the purchase being funded upfront?

No down payment Some cash down Larger down payment relative to purchase price Not decided yet

2. What is happening with the trade-in?

No trade-in Trade-in has positive equity Negative equity may be rolled into the new loan Trade-in payoff versus value is not known

3. What type of loan term is being considered?

Shorter repayment term Middle-range repayment term Longer repayment term Term has not been selected

4. How are optional add-ons being handled?

No optional add-ons selected Add-ons selected but paid separately One or more optional add-ons financed with the loan Not sure what products are included

5. How is financing being compared?

Direct bank or credit-union offer already available Dealer-arranged financing only Comparing dealer and direct-lender offers Financing source has not been selected

6. Is the out-the-door vehicle price separated from financing?

Yes, the out-the-door price is identified separately The discussion has focused mainly on monthly payment Vehicle price, fees, and financing are not clearly separated Still early in the shopping process

Tool Disclaimer: This mapper is for educational and informational purposes only. It provides general explanations of how selected deal structures can affect auto financing; it does not calculate actual payments, APR, approval odds, vehicle value, or loan eligibility, and it does not recommend a lender, vehicle, loan term, down payment, or financing option. Actual costs depend on contract terms, lender practices, vehicle pricing, taxes, fees, applicable law, and individual circumstances.