Set your budget
Tell us the monthly range you're comfortable with, your estimated credit range, down payment, any trade-in, and your ZIP code.
Shop by budget, not by sticker
Your payment-first new car shopping tool.
Your budget. Your credit range. Your next car. KnewCar brings them together with realistic payment estimates and the details behind every number.
- No credit check
- Not a dealer or a lender
- 3-day free trial at launch
Most people fall in love with the car before they know what it actually costs.
By the time the real monthly number shows up, you're already attached to a car that may not fit your budget. KnewCar flips that around: your budget comes first, and the cars come second.
Know your payment
Your credit range changes the payment.
Two people can buy the same car at the same price and pay very different amounts each month. The biggest reason is the interest rate, and the rate depends heavily on credit.
KnewCar estimates payments using the credit range you choose, so the numbers you see are closer to what a lender may actually offer you, not a best-case rate most shoppers won't get. No credit check, and your exact score never leaves your phone.
Same car. Same price. Different credit.
$30,000 financed for 60 months
| Credit range | Example APR | Monthly |
|---|---|---|
| Excellent | 5.9% | $579 |
| Good | 7.9% | $607 |
| Fair | 11.9% | $666 |
| Rebuilding | 16.9% | $744 |
That's a $165/month difference, or nearly $10,000 over the loan.
Example for illustration only. Actual rates are set by lenders and vary.
What actually sets your monthly payment
Credit rangeSets the rate a lender is likely to offer.
Down payment and trade-inLower the amount you finance, including what you still owe on a trade.
Term, taxes, and feesA longer term lowers the payment but raises the total you pay.
Finance or leaseLeases and loans work differently, and so do their payments.
Manufacturer incentivesCash offers and special rates can help, when you qualify.
Your budget rangeWe only show cars whose estimated payment fits it.
2026 compact SUV
Offers for ZIP 85001
- Cash $1,000 Customer CashManufacturer lists it through Oct 31.
- Special APR 3.9% APR for 60 monthsMay apply with stronger credit. Lender approval required.
- Lease Lease special availableDue at signing and mileage limits shown in the app.
Example for illustration only.
Manufacturer incentives, up front
Know the deals before you walk in.
KnewCar gathers current manufacturer cash offers, promotional rates, and lease specials, and shows which ones may apply to you, right next to the payment.
- See cash back, special APRs, and lease deals for each car in your area.
- Know which offers depend on credit or other requirements, so there are no surprises.
- Offers are re-checked regularly and updated as manufacturers change them, so you're not looking at last month's deals.
How it works
Three steps to cars that fit your budget.
See cars that fit
Browse or swipe through only the new vehicles whose estimated payment fits your range, based on your credit and current offers in your area.
Know what to confirm
Every estimate shows how it was calculated and what the dealer and lender still need to confirm.
Browse
Find cars that fit your payment.
- Every car shows an estimated monthly payment for your budget and credit range.
- Filter by the vehicles you actually want, within what fits.
- Manufacturer cash and special rates are included when they may apply to you.
Swipe
Swipe your way to the right car.
- Like, pass, or save vehicles as you go.
- Saved cars keep the exact payment setup you saw, with every assumption.
- Pick up right where you left off whenever you open the app.
Independent
On your side of the table.
No credit check
You choose an estimated credit range. Your exact score stays on your phone and is never sent to our servers.
Manufacturer programs, not ads
Offers come from manufacturers' own published programs, and anything sponsored will always be clearly labeled.
Honest about what's unknown
If we can't confirm a discount or rate, we say so instead of guessing, so the estimate isn't better than reality.
Prepared, not pressured
Walk in knowing the programs and the questions to ask. The final deal is still yours to make with the dealer.
Be one of the first to try KnewCar.
Join the beta and we'll email you when your spot opens.
At launch: 3-day free trial, then from $19.99/month, or a $44.99 3-Month Shopper Pass with no recurring fees. See pricing