Feature
Approval confidence gauge
A weighted score across credit, DTI, LTV, residual income, and term — tuned to match what underwriters actually flag.
Drivewise runs the same DTI, LTV, residual income, and stress-test math lenders use — instantly. Drag the sliders on the right and watch your approval confidence change in real time.
Demo model — the in-app engine adds residual income, term shocks, and APR stress tests.
What's inside
Most calculators show you a payment. Drivewise shows you whether the deal will actually approve — and what to change if it won't.
A weighted score across credit, DTI, LTV, residual income, and term — tuned to match what underwriters actually flag.
See how the deal holds up under +2% APR, a smaller down payment, or a 20% income drop — before you sign.
We tell you when a deal exceeds lender thresholds — and what specifically blocks it (DTI, LTV, or both).
Flip a switch and Drivewise sweeps the price range that fits your finances — no more guessing.
Pick 70%, 80%, or 90% confidence — we calculate the exact down payment to get you there.
Browse curated vehicles ranked by your approval likelihood. Shift any car into your scenario in one click.
How it works
Income, debt, credit, the car you're considering. Sliders update everything in real time.
A 0–100 score based on real underwriting ratios — not a generic affordability rule of thumb.
Use the target solver, find-my-price mode, and stress tests to lock in a deal you can defend.
Download a lender-grade PDF that proves you've done the math. Dealers take it seriously.
2024 Honda CR-V EX-L
Based on the borrower's credit profile, debt load, and the proposed deal structure, this scenario sits in the healthy affordability tier with an 82% approval confidence.
Sample report
The 4-page Premium Report walks through your borrower snapshot, proposed deal structure, risk flags, stress tests, and a point-by-point waterfall of how every component contributed to your approval confidence — plus an alternative structure that improves the deal.
Pricing
Use the engine free for as long as you want. Pay only when you need a report you can hand to a dealership.
Take 2 minutes. Get an honest, math-backed answer to "can I afford this car?" — and a report that proves it.
Run my numbers — free →