Shop Used Cars by Monthly Payment
Start with the payment you're comfortable with, then find the vehicle. Apply in house and shop with confidence.
Most people don't shop by sticker price — they shop by what fits their monthly budget. It Is What It Is Auto Sales makes that easy. Apply in house, tell us your target payment, and we'll show you the cars, trucks, and SUVs that fit it.
Shopping by payment keeps you in control. You avoid falling for a vehicle that stretches your budget, and you spend your time looking at options that actually work for your finances.
How Payment-Based Shopping Works
Your monthly payment is driven by the vehicle price, your down payment, the loan term, and your interest rate. Applying in house nails down your likely rate and term, so the payment estimates you see on our inventory are realistic — not guesses.
- Set a comfortable monthly budget first
- See real, personalized payments on real inventory
- Adjust down payment and term to hit your target
- In-house Buy Here Pay Here application
Shop by Payment — In Stock Now at It Is What It Is Auto Sales
- 2015 BMW X5 S drive 35i — $8,999 · 151,828 miles
- 2015 GMC Terrain SLE — $7,500 · 118,137 miles
- 2014 CHEVROLET Cruze Lt — $4,500 · 153,032 miles
- 2013 NISSAN Pathfinder — $5,999 · 154,858 miles
- 2012 VOLKSWAGEN Passat — $3,500 · 197,735 miles
- 2011 BUICK Enclave — $7,950 · 181,515 miles
- 2011 CHEVROLET Aveo — $2,999
- 2011 CHEVROLET Traverse — $3,999 · 177,657 miles
- 2011 SMART Fortwo — $4,000 · 61,481 miles
- 2009 CHEVROLET Malibu — $6,500 · 109,993 miles
- 2008 FORD F-150 Xlt — $2,400 · 203,921 miles
- 2006 KIA Sorento — $2,999 · 193,276 miles
Browse our full used-car inventory or get pre-qualified with our lenders to see your real payment on any of these vehicles.
Frequently Asked Questions
How do I shop by monthly payment?
Apply in house, tell us your target monthly payment, and we'll show you vehicles that fit. You can adjust down payment and term to fine-tune the number.
What affects my monthly payment?
Four things: the vehicle price, your down payment, the loan term, and your interest rate. Applying in house locks in realistic rate and term estimates.
Can a longer loan term lower my payment?
Yes, a longer term lowers the monthly payment but increases total interest paid. We'll help you find the right balance for your budget.
Are the payment estimates accurate?
When you apply in house, your estimated APR and term make the payments shown on our inventory realistic and personalized to you.