How Much Should I Spend On A Vehicle in Kansas City?

Woman thingking about how much she should spend on buying a car in kansas city

October is National Get Your Ducks In A Row Month.

Actually, it’s not. It’s actually National Financial Planning Month. That means it’s officially time to get your ducks in a row or maybe at least kinda on the same page.

Gary Crossley Ford can help.

Find a vehicle that fits your budget and your lifestyle

Like almost everything else, the cost of owning a vehicle has been creeping higher and higher. This year the average new car payment in America moved right into the $700 a month neighborhood. Used car payments are just down the block averaging over $500 a month. 

The financial planners all have advice about how much money you should be spending on transportation. Some say you shouldn’t spend more than 10% of your monthly income on total transportation costs including your car payment, fuel, insurance, and pine cone scented air fresheners to dangle from the rearview.

Other budget warriors tell you to never buy a car priced at over 35% of your annual income. For the most part, these seem to be the same gurus who tell you to skip your daily coffeeshop coffee, bring tuna fish sandwiches every day for lunch, and put all your table scraps into an earthworm composter… because protein! 

The truth is sometimes the experts’ math just doesn’t add up.

Get the car you need at a price you can afford no matter what condition your condition is in

The experts don’t know your life.

They’re basing their advice on mythical averages and historical trends that don’t necessarily jibe with what’s happening in the real world today. Like those $700 car payments we mentioned. The new car inventory situation, which while it is improving, is still not filling the demand for new cars at any price.

They’re not here in Kansas City, and they just can’t tell you how much you need to spend to get to and from work, to get your kids home safely from school. They can’t tell you how you’re going to get a loan that works with your mortgage, your income, your bills, and your life.

That’s not their job.  It’s ours.

Come experience the Crossley Difference

It happens in every episode of every cheesy TV cop show ever. The tough but tender, grouchy on the outside, grizzled veteran detective takes the suspect into the interrogation room and lays all their cards on the table:

“I can’t help you if you don’t level with me,” he says.

While we’re sure you’ll never feel like a suspect under interrogation here at Gary Crossley Ford – we pride ourselves on delivering an unparalleled, five-star-fun car-buying experience – there is a grain of truth there that can help you qualify for the car or truck you need to lead your life.

The more you tell us, the more we’ll be able to help

The car stars at Gary Crossley Ford are experts at helping the people of Kansas City get their transportation ducks in a row. They can tell you that even though the price of new and used cars may be higher than you might like right now, that means the car or truck you’re driving now is worth a lot more than it was last year. It could be worth more than you owe. It could be worth more than you paid for it.

They can tell you that if new car prices have crept right out of your neighborhood, we have certified pre-owned vehicles of every make and model through our Blue Advantage certification program. You get a new car warranty. You get new car reliability, and you get all that for used car money. That’s some serious financial IQ, right there. 

And our team can tell you about loan programs designed to fit every financial situation. Our Ford Flex program can lower your monthly payment by up to 18%, and allows you to afford more car for less money.

Do your planning, but before you make any decisions about how much car you can afford based on some guru’s generic advice, talk to us. 

We know how to get deals done.



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