Prototypes · AutoRefinanceAI.com · VehicleLoansAI.com
Switch or stay. Budget or overreach.
Two calculations sit behind almost every vehicle, equipment and refinance enquiry. The first is whether changing lender recovers its switching costs before the loan ends. The second is what a monthly budget genuinely borrows once the rate, the term and the fees are counted. Both run here on the figures you enter.
Working prototypes for demonstration. They calculate on the numbers you supply — they do not quote real lenders, check a credit file, or give financial advice.
Refinance break-even
Switch or stay
Saves $26 a month and recovers the $750 of switching costs in month 30.
Refinancing also reduces total interest by $1,086 over the life of the loan.
Affordability
What that budget buys
$650 a month over 60 months at 8.9% supports $31,386 of borrowing. After $495 in upfront fees and a $5,000 deposit, that reaches an asset priced around $35,891 — and costs $7,614 in interest along the way.
Stretch the term and the monthly figure falls while total interest rises. That trade-off is the single most common thing consumer finance pages hide, and the reason a comparison tool has to show total cost.
Acquire an asset outright, lease it for twelve months while a product is proven, build your own version on Lovable, or commission the studio to deliver it in production with live lender data and compliance controls.