Desking Tool
Payment Matrix
The classic "4-Square" desking tool for the modern age. See payments at every term and rate combination instantly.
Deal Structure
Amount Financed:$35,975
Monthly Payments
| APR | 36 mo | 48 mo | 60 mo | 72 mo | 84 mo |
|---|---|---|---|---|---|
| 4.9% | $1,076.59 | $826.85 | $677.25 | $577.71 | $506.78 |
| 6.9% | $1,109.16 | $859.80 | $710.65 | $611.61 | $541.20 |
| 8.9% | $1,142.32 | $893.53 | $745.04 | $646.68 | $576.98 |
| 10.9% | $1,176.07 | $928.05 | $780.39 | $682.91 | $614.09 |
| 12.9% | $1,210.41 | $963.33 | $816.70 | $720.27 | $652.50 |
Mastering the Desk
A payment matrix helps you quickly show customers their options without needing to run every combination through the DMS. Use this to land customers on payments that work for both them and the dealership.
Tips for Success
- Start with the customer's target payment and work backward.
- Present multiple options to create flexibility.
- Use term extension as a last resort, not a first offer.
Rate Considerations
- Rates shown are estimates. Always verify with your lenders.
- Credit tier significantly impacts available rates.
- Captive lenders often offer the best rates on new vehicles.