Your kid's first car, without wrecking your credit.

A free, math-first audit for Chandler families with HS or college kids. Twenty minutes, no upsell, no obligation.

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Clarence · Chandler, AZ · 20/4/10 rule · No-BS Student Car Audit

The 20/4/10 rule

20

Total monthly cost (payment + insurance + gas) under 20% of gross monthly income.

4

Loan term capped at 48 months. No 72- or 84-month traps.

10

At least 10% down. Don't drive off underwater.

If the deal fails any of the three, the deal fails. Math first, every time.

What you get from the free audit

The maximum out-the-door price that fits your kid's actual income.
The maximum monthly payment with insurance and gas baked in.
Three to five real cars (from any dealership) that pass the test.
A list of fees and add-ons to refuse at signing.
An honest answer if the right move is to wait.

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Who this is for — and who it's not for

Yes

Parent helping a 17–25-year-old buy a first car
Student who wants someone to do the math honestly
Anyone in 85248 / 85249 / 85286 (or the rest of the East Valley)

No

Anyone shopping a luxury or performance car
Anyone who wants a 72-month loan to "lower the payment"
Anyone looking for a cosigner workaround