Estimate financing
Calculate how much you'd pay per month for a car, get your quote, and save your simulations.
On a car's ad, "Estimate financing" tells you how much you'd pay per month with the banks that finance that unit. It's informational: it doesn't ask for paperwork or affect your credit report. You don't need an account to run a simulation.
Watch it on video · 2:27Simulate your loan and get your quoteCliquéalo Academy · Buy and sell on CliquéaloBefore you start
- The simulator only appears on cars, not on homes.
- The banks and products available depend on the car (year, mileage, make, and other details) and on who's selling it. On the catalog card, the "Financing" chip tells you which cars are eligible for credit.
- During a season like El Buen Fin, the simulator uses the car's season price and, if the lot improved its credit plans, you see for example "El Buen Fin rate" with the regular rate struck through and "Subject to lender approval.". See Season offers.
Steps
Open the simulator
Tap "Estimate financing". You see "Let's estimate your financing" with the "Vehicle price" and how many "Available banks" there are. Tap "Start".
Product
In "Which product do you prefer?" choose a bank and product. You can search with "Search bank or product…". Each one shows how much it lends, the minimum down payment, the annual rate, and the terms.
Down payment
In "How much upfront?" move the slider or type the amount. Below it you see the percentage of the price and the range that bank allows, for example "You can put down between … and …".
Term
In "Over how many months?" choose the term.
Result
In "Your simulation" you see the "Estimated monthly payment" and "… months · annual rate …". Tap "View amortization table" to see the first payments, with "Month", "Payment", "Interest", "Principal", and "Balance".
Quote
In "Get your quote" enter your "Email", your "WhatsApp", or both. If you add WhatsApp, check "I agree to receive this informational quote on my WhatsApp. This does not authorize marketing messages." Tap "Get my quote".
At the top of the simulator you always see a summary of what you've chosen so far. "Back" takes you back one step.
It's an estimate
"Informational calculation, subject to credit approval and bank policies. The actual rate may vary according to your profile; optional insurance and administrative expenses are not included." If the bank requires insurance, you see it as "… requires mandatory insurance".
What happens next
- You see "Your quote is on its way" and where it arrives: "It arrives by email.", "It arrives on WhatsApp." or "It arrives by email and on WhatsApp."
- In "Ready to talk about the car?" you can open the "Chat" with the seller or, if the store shows its phone, write on "WhatsApp" with your quote already in the message.
- Your quote carries a «Folio» ("Reference number") and, under «Te atiende» ("Looking after you"), who to reach to follow up: the salesperson with their phone, the store, or the Cliquéalo team. If you call, mention the reference number.
- If you don't have an account, you can create one right there in "Save this quote to your account": we send a code to your email, you type it, add your name and a password of at least 8 characters, and tap "Create account and save".
- If you're already signed in, "Save simulation" appears in the last step. When you tap it, you see "Simulation saved to your account".
My simulations
Open "My simulations" from your account menu ("Your quotes"). Each card shows the date, the bank, the product, the car, «Pago mensual» ("Monthly payment"), «Plazo» ("Term"), «Enganche» ("Down payment"), «Tasa» ("Rate"), «Intereses» ("Interest"), and «Total», with the Simulación informativa ("Informational simulation") chip. «Ver publicación →» ("View ad →") takes you back to the car.
To delete one, tap the delete button and confirm «¿Eliminar esta simulación?» ("Delete this simulation?"). You see «Simulación eliminada» ("Simulation deleted").
If you don't have any, you see «Sin simulaciones guardadas» ("No saved simulations") and the «Explorar autos» ("Browse cars") button.
The usual case
You run a simulation and get your quote
You reach the result, request the quote, and it arrives by email or WhatsApp.
Something doesn't work the first time
Your down payment doesn't fit the product
You see a notice such as "The least this bank allows is …" or "The most this bank allows is …". If you type more than allowed, we adjust it and tell you: "We adjusted … to …, the most this product allows for this car."
Worst case
The product doesn't apply to this price
You see "This product finances from … and does not apply to this price." or that the amount to finance is outside the product's range. Adjust the down payment or choose another product.
Special case
There are no banks for this car
When you open the simulator you see "No financing products are available right now."
Errors
What you see · Simulator, "Down payment" step
«This bank cannot finance this car. Pick another product.»
What it means. With that product there's no down payment that works for this car's price.
What to do.
- Tap "Back" and choose another product.
What you see · Simulator, "Quote" step
«We could not generate the quote.»
What it means. The quote wasn't generated. If you requested many in a row, the button shows a countdown in seconds.
What to do.
- Wait for the countdown to finish, if there is one.
- Tap "Get my quote" again.
What you see · Simulator, "Save simulation" button
«We could not save the simulation»
What it means. The simulation wasn't saved to your account.
What to do.
- Try again. If it's still the same, request the quote by email to keep it.
What you see · My simulations
«No se pudo eliminar»
It couldn't be deleted
What it means. The simulation wasn't deleted.
What to do.
- Reload the page and try again.