A Sneak Peek Of Our Full Curriculum
Give your class a real-world car buying experience where they negotiate, compare loans, and make financial decisions that actually matter.
This interactive simulation walks students through the entire process — from choosing a car to navigating interest rates, dealer tactics, and monthly payments.
No prep required. Just click and run it in your classroom.
The Car Decision
Buying a car is one of the biggest financial decisions you'll make. Choose your starting scenario to see how much car you can really afford.
The College Student
You're working part-time and taking classes. You need something reliable. Trade-In: 2005 Ford Focus
The First Salary Job
You just landed an entry-level job. You want something nicer, but have loans to worry about. Trade-In: 2012 Honda Civic
The Growing Family
You have a kid on the way. Safety and space are suddenly your absolute top priorities over flashiness. Trade-In: 2016 Subaru Outback
Do the Math
Before you go to the bank, let's figure out what you can afford using the 20 / 4 / 10 Rule.
- 20% Down: You need 20% of the car's price in cash.
- 4 Years: Don't finance longer than 48 months.
- 10% Salary: Your car payment should never exceed 10% of your gross monthly income.
Hint: (Yearly Income * 0.10) / 12
Hint: Target Car Price * 0.20
Auto Row
You made it to the dealerships. The golden rule of car buying is to shop around. Pick a dealership to visit, get a quote, and see if you can use it as leverage across town.
Your Saved Quotes
Pick up where you left off. Prices are locked in.
City Auto New Inventory
Find a car that fits your budget. Watch out for red flags!
Virtual Credit Union
Let's see what kind of loan you qualify for.
Pre-Approval Status
Congratulations! The bank is willing to approve you for a higher monthly payment than you asked for. You qualify for up to -- per month, meaning you can get a loan for up to --.
Note: Your Baseline APR applies to standard 60-month terms. Shorter or longer terms will adjust this rate.
Total Buying Power: -- (Loan + Your -- Down Payment)
Remember the 20/4/10 rule. Just because they approve you for this much doesn't mean you should spend it!
Phase 2.5: Do Your Homework
Never walk onto a dealership lot without knowing what the car is actually worth. Use this tablet to look up the MarketSense fair market value for vehicles in your area before arriving.
Search the local market for fair values before going to the lot.
Greg "The Dealmaker"
Salesperson
The Deal
Sarah "The Closer"
F&I Director
Final Papers
Sarah "The Closer"
F&I Director
Buyer's Order & Finance Agreement
CITY AUTO SALES LLC
PURCHASER: Customer
DATE: Today
VEHICLE:
By signing below, Purchaser agrees to the terms and conditions outlined in this Retail Installment Contract. The Purchaser understands that all sales are final upon signature, and all numbers contained within this document supersede any verbal agreements made prior to signing.
x_________________________________________________
Purchaser Signature
The Reality Check
This is where you find out if you made a smart financial decision or if you're going to be swimming in debt for the next 7 years.
The Reality Check
What you actually paid for a 0 sticker price.
Let me go talk to my manager...
The salesperson has disappeared into the glass office. They are currently drinking coffee and making you wait entirely on purpose to wear you down.
Final Deal Scorecard
Let's see how much money you left on the table (or saved!) during your negotiation.
Base Price Negotiation
Trade-In Value
F&I Add-Ons
Loan & Interest
The Deal is Done
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