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72- and 84-Month Car Loans: Lower Payments, Higher Risk

November 2, 20264 min read

A longer car loan lowers the payment but costs more interest and leaves you owing more than the car is worth for longer. Here is the comparison for a $35,000 loan.

Cars & Auto Loans

How Much Car Can I Afford? The 20/4/10 Rule With Real Numbers

October 14, 20264 min read

The sticker price is the wrong place to start. Start with a monthly all-in transportation budget, then work backward to a price. Here is the 20/4/10 rule applied to three incomes, plus what a 72- or 84-month loan really costs.