Cliquéalo.mx

How you calculate a car's monthly payment, request your quote, and save your simulations.

On every car's page there's "Estimate financing". In five steps you choose a bank, down payment, and term, see your monthly payment, and get the quote as a PDF. It's informational: it doesn't ask for paperwork or check your credit report.

The simulator only exists on cars. Home pages don't have it.

Which products you see

On an agency's car, you see the credit products that agency entered.
On a private seller's car, you see the products Cliquéalo offers.

Only the products that apply to that car appear (by year, kilometers, brand, and the bank's other rules). In the catalog, the "Financing" button shows only cars eligible for credit.

Run a simulation

Open the simulator

On the car's page tap "Estimate financing". The cover screen "Let's estimate your financing" shows you the "Vehicle price", how many "Available banks" there are, and the "This car qualifies for financing" chip. Tap "Start".

Product

In "Which product do you prefer?" choose one. Each option says, for example, "Down payment from 20% · annual rate 14.5% · term 12-60 months". You can search with "Search bank or product…".

Down payment

In "How much upfront?" tap the amount and type it, or use the percentage shortcuts. Next to the amount you see what percentage of the price it is. The help next to "Down payment" tells you the range: "You can put down between $X and $Y.". If the amount isn't possible, when you tap "Next" the number shakes and you see the reason.

Term

In "Over how many months?" choose the term within the product's range.

Result

In "Your simulation" you see the "Estimated monthly payment", the term, and the rate. The payment includes "Principal and interest" and "Insurance and fees not included". If the bank requires insurance, the "[Bank] requires mandatory insurance" chip appears. 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. For 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 your simulation's summary: the car, the product, and your monthly payment.

What happens after you request the quote

While it's being prepared, you see "Sending quote" with its progress.
When it's done, a pop-up notice says "Quote sent to your email" or "Your quote is being sent by WhatsApp".
"Your quote is on its way" and "Ready to talk about the car?" appear, with buttons to message the seller by "Chat" or on WhatsApp with your quote at hand.
If you weren't signed in and gave your email, we offer you "Save this quote to your account": with "Create my account" we send you a code, you type it, add your name and a password (at least 8 characters), and tap "Create account and save". If you already had an account with that email, the code signs you straight in.
If you were already signed in, you see "This quote is saved to your account.".

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.

Whoever is selling the car receives your quote to follow up with you. See Credit requests.

Save the simulation

When you're signed in, "Save simulation" appears in the last step. When you tap it, it changes to "Saving..." and then to "Saved", with the notice "Simulation saved to your account" and "You can review it from My simulations.".

My simulations

From your account menu, go to "My simulations". If you haven't signed in, we ask you to sign in first.

Each card shows the date, the bank, the product, the car (with its principal), and «Pago mensual» ("Monthly payment"), «Plazo» ("Term"), «Enganche» ("Down payment"), «Tasa» ("Rate"), «Intereses» ("Interest"), and «Total». At the bottom it carries the Simulación informativa ("Informational simulation") chip and the «Ver publicación →» ("View ad →") link.

If the car is no longer available, the card says «Publicación no disponible.» ("Ad not available.").
To delete a simulation, tap the trash can and confirm «¿Eliminar esta simulación?» ("Delete this simulation?"). You see «Simulación eliminada» ("Simulation deleted").
With no simulations, you see «Sin simulaciones guardadas» ("No saved simulations") and the «Explorar autos» ("Browse cars") button.

Note

The numbers in a saved simulation don't change even if the bank later changes its rate. To see the current terms, run the simulation again from the car's page.

The usual case

Everything in range

You choose a product, put down a down payment within the range, choose a term, and see your payment. You request the quote by email and the PDF arrives.

Something doesn't work the first time

You type a down payment out of range

When you tap "Next", the amount shakes and you see the reason, for example "The least this bank allows is $40,000." or "The most this bank allows is $300,000.". Correct the amount and continue.

Worst case

The product doesn't work for this car

You see "This bank cannot finance this car. Pick another product." or "This product finances from $70,000 and does not apply to this price.". Go back to the product step and choose another.

Special case

There are no products

When you open the simulator you see "No financing products are available right now.". The agency hasn't entered products that apply to that car yet.

Messages and errors

What you see · Estimate financing, Result step

«The financed amount ($64,000) is outside this product range ($70,000-$1,000,000). Adjust the down payment.»

What it means. With your down payment, what's left to lend doesn't fit within what the bank lends. The amounts change case by case.

What to do.

Go back to "Down payment" and lower or raise it until it's within the range.
If there's no way, choose another product.

What you see · Estimate financing, Down payment step

«That covers the whole car ($250,000). There would be nothing left to finance.»

What it means. You typed a down payment equal to or greater than the price.

What to do.

Lower the down payment.