$                   TOTAL CURRENT MONTHLY PAYMENTS (Including: This Car Loan Payment)

LESS THAN OR EQUAL TO

$                   MAXIMUM DEBT-TO-INCOME (DIR) AMOUNT

CONGRATULATIONS! You Have Completed This Section.

GO TO THE NEXT SECTION:
    "STEP 1) LEARNING CENTER - How Car Dealers and Other Car Loan Web Sites Cost You Money"
      - OR -
GO DIRECTLY TO:
    "STEP 2) DIRECT LENDER ACCESS - Select and Apply with Three Recommended Auto Lenders"

If your TOTAL CURRENT MONTHLY PAYMENTS (Including: This Car Loan Payment) are MORE THAN your MAXIMUM DEBT-TO-INCOME (DIR) AMOUNT, calculate the following:

$                   MAXIMUM DEBT-TO-INCOME (DIR) AMOUNT
-                    TOTAL CURRENT MONTHLY PAYMENTS
$                   MAXIMUM APPROVABLE/ALLOWABLE CAR LOAN PAYMENT
(i.e. All Based Upon your Total Gross Monthly Income and your Total Current Monthly Payments.)

    RETURN to the (click) "Payment Calculator"*. Decrease/Lower your TOTAL LOAN AMOUNT &/or
    Increase/Lengthen your LOAN TERM until the resulting Payment is LESS THAN OR EQUAL TO the
    MAXIMUM APPROVABLE/ALLOWABLE CAR LOAN PAYMENT (from Above).

RECORD: NEW TOTAL LOAN AMOUNT $_________
                 MAXIMUM CAR LOAN PAYMENT $_________ (From Above)
                 TERM _____

THREE OPTIONS
a) Offer the Seller of the Vehicle $                   THIS NEW TOTAL LOAN AMOUNT for the Purchase of the
    Vehicle (Including: Tax, Title, License & Documentation Fees).
                                (NOTE: Disregard All Previous Offer/Purchase Price Amounts.)
b) Make a Cash or Trade-In Down Payment that will REDUCE this New Total Loan Amount (Including: Tax,
    Title, License & Documentation Fees) enough to Obtain the Maximum Approvable/Allowable Car Loan
    Payment. (i.e. The Loan and Payment Amounts that allow you to meet ELEMENT #5. Maximum DIR.)
c) Choose a Similar &/or Different Vehicle with a Payment Amount that is LESS THAN OR EQUAL TO
    the Maximum Approvable/Allowable Car Loan Payment. (Note: If this Option is Chosen, the Similar
    &/or Different Vehicle must ALSO meet "Element #3. LTV" and "Element #4. PTI".)

(NOTE: If you Choose One of the Above Options, Apply For this NEW TOTAL LOAN AMOUNT.)

   CONGRATULATIONS! You Have Now Completed This Section.
                  GO TO EITHER SECTION LISTED ABOVE.


[Close this "Window" to Continue] 

*Payment calculator provided by: Bankrate, Inc.