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How do I figure out how much car I can afford?

A practical starting point is the 15% rule: your total monthly vehicle cost (payment plus insurance plus fuel plus estimated maintenance) should not exceed 15% of your monthly take-home pay. So on a $6,000 monthly net income, your total car budget is around $900 per month. If your payment is $450, insurance is $200, and fuel and maintenance average $150, you are at $800 and within a healthy range. This is more conservative than the 20% rule some financial advisors use, but leaves more flexibility for other financial goals. The number that matters most is total cost, not just the monthly payment.

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Sean and the team from Vantage Auto made the car buying seamless.
Sean and the team from Vantage Auto made the car buying seamless.

MJ Cestone

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Top notch service, great customer service , competitive pricing and honest service . Delivery to your home with complete setup . If you need a car without any of the hassle use Vantage.
Top notch service, great customer service , competitive pricing and honest service . Delivery to your home with complete setup . If you need a car without any of the hassle use Vantage.

Gigi Del Cueto

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Phenomenal and hassle free experience! Sean was amazing! He was patient, professional and responsive!

Phenomenal and hassle free experience! Sean was amazing! He was patient, professional and responsive!

Koster Henderson

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Deborah was a huge help when it came time to trade my car in for a new lease. I didn't know exactly where to start, but I gave her a few of my "must-haves," and she came back with amazing options. Working with Vantage Auto made the entire leasing process seamless and efficient. Once I made my decision, everything was completed within just a few days. They even delivered the car directly to me! All I had to do was sign the paperwork, and I was ready to enjoy my new car. Deborah was communicative, knowledgeable, and an absolute pleasure to work with from start to finish.
Deborah was a huge help when it came time to trade my car in for a new lease. I didn't know exactly where to start, but I gave her a few of my "must-haves," and she came back with amazing options. Working with Vantage Auto made the entire leasing process seamless and efficient. Once I made my decision, everything was completed within just a few days. They even delivered the car directly to me! All I had to do was sign the paperwork, and I was ready to enjoy my new car. Deborah was communicative, knowledgeable, and an absolute pleasure to work with from start to finish.

Francesca G.

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Josh Miller

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My car leasing experience with Vantage was fantastic. Sean took an overwhelming decision and process and made it so easy. He was available morning, noon, and night as well as weekends. He never pressured me and simply gave me facts and possibilities and recommendations. The experience was really amazing from the start and I’m extremely grateful for his help in making the car leasing process manageable. I would recommend him to anyone and everyone looking to buy or lease a car. Sarah

My car leasing experience with Vantage was fantastic. Sean took an overwhelming decision and process and made it so easy. He was available morning, noon, and night as well as weekends. He never pressured me and simply gave me facts and possibilities and recommendations. The experience was really amazing from the start and I’m extremely grateful for his help in making the car leasing process manageable. I would recommend him to anyone and everyone looking to buy or lease a car. Sarah

Sarah Lieberman

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I just leased a new car with them yesterday and it was a fantastic and easy experience. Charlie was incredibly helpful and thorough. I had the car delivered 24 hours after my first conversation with Charlie! I'll never visit a dealer again. I highly recommend Vantage Auto Group

I just leased a new car with them yesterday and it was a fantastic and easy experience. Charlie was incredibly helpful and thorough. I had the car delivered 24 hours after my first conversation with Charlie! I'll never visit a dealer again. I highly recommend Vantage Auto Group

Tony Perez

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Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

I’ve always used brokers to get my car, It’s definitely much easier than going to the dealers and getting screwed over later.Brandon and his team were a great help In helping me find a car that suited my needs. Although I was a little skeptical, cause I’ve only done it one other time, but the process was quick and easy. I wanted to carbefore February, and Vantage Motor delivered, I mean actually delivered the car to my house.Only thing I had to do was decide which one I wanted. Will definitely be using them again for my next car!

I’ve always used brokers to get my car, It’s definitely much easier than going to the dealers and getting screwed over later.Brandon and his team were a great help In helping me find a car that suited my needs. Although I was a little skeptical, cause I’ve only done it one other time, but the process was quick and easy. I wanted to carbefore February, and Vantage Motor delivered, I mean actually delivered the car to my house.Only thing I had to do was decide which one I wanted. Will definitely be using them again for my next car!

Vincent Zecca

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Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Vantage auto group hands down made my first experience with a leasing company super easy.I had gave David a few. Vehicles I was interested in and he hooked me up with infiniti with I great monthly payment and basically just paid the taxes if anyone need to lease a vehicle reach out to David and his team . .
Vantage auto group hands down made my first experience with a leasing company super easy.I had gave David a few. Vehicles I was interested in and he hooked me up with infiniti with I great monthly payment and basically just paid the taxes if anyone need to lease a vehicle reach out to David and his team . .

john vitale

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