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Free tool · dealers and lenders

LTV and PTI for an auto deal.

Loan-to-value, payment-to-income and debt-to-income side by side, checked against the limits you lend by.

The deal

Your limits

Example limits. Set them to the ones you lend by; there is no single right number.

Prefilled as an example. Replace with your deal.

LTV 118.8%, PTI 14.1%.

DTI 32.8% on a payment of $450.00 a month.

RatioThis dealYour limitCheck
LTV
amount financed ÷ vehicle value		 118.8% 130.0% within your limit
PTI
car payment ÷ gross monthly income		 14.1% 20.0% within your limit
DTI
(car payment + other debt) ÷ gross monthly income		 32.8% 50.0% within your limit

Worked-out payment = amount financed × r ÷ (1 − (1 + r)−n), r = APR ÷ 12, n = months. Income is gross (before tax). Check reads "within" when the ratio, rounded to 0.1%, is at or under your limit.