GUIDANCE FOR YOUR NEXT VEHICLE PURCHASE
Understand how your next vehicle purchase could affect your budget. I help you review your situation and the numbers behind the deal so you can make a more informed decision.
Plan my consultation Explore consultationsWith Sebastián Herrera · Consultations are currently offered in Spanish
BEFORE YOU DECIDE
Look beyond
the monthly payment.
Fictional figures. This is not a quote.
Understand it first.
Then decide.
LESS CONFUSION. CLEARER DECISIONS.
A CLEARER VIEW OF YOUR PURCHASE
Buying a vehicle involves more than a monthly payment: insurance, fuel, maintenance, and other costs also matter. Reviewing your income, debts, and savings helps you understand that commitment.
We start with your buyer profile and budget. If you decide to move forward, Purchase Guidance helps you prepare and understand the offer. The final decision is always yours.
CHOOSE YOUR STARTING POINT
Start by understanding how the purchase could affect your financial stability. If you decide to move forward, I help you prepare and review the offer before you sign.
01 / UNDERSTAND YOUR STARTING POINT
For understanding how the full cost of owning a vehicle fits your financial situation.
02 / PREPARE YOUR PURCHASE
To prepare for your purchase and understand the offer’s numbers before you sign.
US$399Plan price, including the buyer profile
Read scope and durationThis link schedules the first session of the full plan. Included follow-up meetings are arranged without purchasing the plan again.
Choose an initial session Ask about this planIf you start with the buyer profile and continue with Purchase Guidance, you pay US$300 more. Your US$99 payment is credited toward the US$399 total for the same purchase. Request the US$300 upgrade; this is arranged separately after verifying your previous payment.
The buttons open Calendly to choose a time. Bookings are handled there and payments through Stripe. Review the amount, format, and terms before confirming. Consultations are currently in Spanish for U.S. vehicle buyers; Calendly’s language may depend on its settings.
EXPLORE YOUR FINANCING
Enter the amount financed, annual interest rate, and loan term. Adjust the values or compare 60 and 72 months to see how the payment and total cost change.
Want to understand credit factors? Try the educational estimator.
Educational simulation of a loan with a fixed nominal interest rate, monthly payments, no fees, and no early payments. This is not a credit offer or an APR calculation.
FREE ACCESS
Request access to the financing and credit calculators in this tab.
Include any fees or add-ons you will finance.
The loan’s fixed nominal interest rate; not APR.
From 1 to 120 months.
Estimated monthly payment
Adjust the values to compare how the loan term affects interest.
Totals use the unrounded monthly payment. An actual contract may differ due to fees, dates, and the calculation method. These values are calculated only in your browser.
CREDIT, RATES AND LEASING
Compare financing averages and review indicators from your budget. For leasing, analyze the money factor in a specific quote using the figures you have.
Educational tool: this is not an offer or preapproval and does not guarantee approval, an interest rate, APR, or money factor. An actual offer may fall outside the references shown and depends on the lender, vehicle, and current program.
Calculations stay in this browser. This tool does not access your credit report, affect your score, or send or store your financial data. The email used to request access is handled separately. Do not enter Social Security numbers, account numbers, or documents.
To use this estimator, first request access with your email. Subscribing to tips and promotions is optional.
Request free accessObserved average APR for the selected band
The annual comparison is not the contract’s APR and does not measure the full cost of the lease. The base payment excludes taxes and other charges not incorporated in the figures entered. The derived factor does not establish the finance company’s base factor.
For financing, the tool shows the observed average APR for the selected VantageScore 4.0 band and vehicle type. Comparison scenarios use averages from neighboring bands in that same table: they are not offer limits or a confidence interval.
Ratios of reported payments to gross income, revolving utilization, and amount to value describe the figures you enter. A lender may calculate them differently, verify documents, and weigh other factors. No universal approval cutoffs are applied.
APR may include certain fees. In the payment calculator above, use the nominal interest rate from your quote; do not treat an average APR as that rate.
Under the usual method, monthly rent charge = (adjusted capitalized cost + residual) × money factor. Therefore, derived MF = total rent charge ÷ [months × (adjusted cost + residual)]. Multiplying MF by 2,400 gives an approximate annual comparison, not APR.
APR reference: second-quarter 2026 (Q2 2026) data, from an article published September 10, 2026. Sources reviewed November 13, 2026.
HOW WE WOULD WORK TOGETHER
Before you book, you will know what the consultation includes, what it costs, and how it will take place.
Review the scope and terms. If you have questions about your situation, send a request before booking.
Open Calendly from your chosen plan and review the session details and Stripe payment terms there. Calendly issues the booking confirmation.
We review your budget and, depending on your plan, the offer and the questions to clarify before signing.
You gain a clearer view of your options so you can make your own decision.
SEBASTIÁN HERRERA
My interest in this subject grew out of my own experience buying, financing, and reviewing vehicles for myself and people close to me.
When I took a closer look at my lease paperwork, I discovered a maintenance contract with a cost I had not understood when I signed. That experience led me to research, ask questions, and examine each deal more carefully.
Today I bring those lessons together in a buyer’s guide and an educational consultation service to help you understand the process and prepare better questions.
A GUIDE FOR YOUR NEXT PURCHASE
Understand the numbers, compare offers, and prepare the questions to resolve before you sign. Choose the English or Spanish edition to guide you through each stage of the purchase.
English · PDF · 55 pages · 193 KB
US$9.99One-time payment per edition
Spanish edition: Compra inteligente de vehículos · PDF · 54 pages · 198 KB.
Payment and delivery of your selected PDF edition are handled through Payhip. Each edition is purchased separately. The final total is shown before you pay.
BEFORE YOU GET STARTED
Choose the English or Spanish edition and purchase it through Payhip. Each edition is purchased separately. Once payment is complete, Payhip provides the download for your selected PDF and emails an access link. For help with your purchase, contact Tuereselnegociante@gmail.com. Consultation plans are purchased separately: Buyer Profile and Budget for US$99 or Purchase Guidance for US$399.
Buyer Profile and Budget costs US$99. Purchase Guidance costs US$399 and includes the buyer profile. If you paid US$99 for the profile and continue with the same purchase, you pay US$300 more. Purchase Guidance covers one vehicle purchase and lasts up to six months from full payment. Read the scope and duration terms. Each plan’s button opens its Calendly schedule; payments are handled through Stripe. Review the amount, format, and payment, cancellation, and refund terms before confirming. If you already paid for the profile, arrange the US$300 upgrade through the request form first. Formspree handles questions and does not confirm bookings.
Educational guidance to understand how the purchase fits your budget and, with Purchase Guidance, prepare the process and review the offer. This does not replace a mechanical inspection or professional legal, tax, or financial advice. Any direct dealings with dealerships would require a separate scope and verification of applicable requirements.
No. Prices, rates, credit approvals, and terms depend on third parties and your circumstances. The consultation helps you understand the deal; it does not guarantee discounts, savings, or specific outcomes.
Yes. Purchase Guidance includes the buyer profile and an educational review of the offer. When requesting availability, describe the vehicle you are considering and which parts of the offer you have questions about. Do not include documents or sensitive information in your first message.
Consultations are intended for vehicle buyers in the United States and are currently offered in Spanish. The format and availability will be confirmed based on your state and the service requested. Include your state in your request so we can assess whether the service fits your needs.
Fill out the form and select “Prepare request.” Review the text, then select “Send request” to submit it from this page through Formspree. You can also write directly to Tuereselnegociante@gmail.com.
SCOPE AND DURATION
These conditions for one purchase and six months apply to the US$399 Purchase Guidance plan.
The plan covers guidance for the purchase of one (1) vehicle.
The plan is valid for six (6) calendar months from the date payment for the plan is completed. If you continue from the US$99 Buyer Profile and Budget plan, this period starts when you pay the US$300 balance that completes the US$399 total.
Purchase Guidance ends when the vehicle purchase is completed or the six months expire, whichever occurs first.
If the term expires without a completed purchase and you want to resume guidance, you must book the service again and make a new full payment for the plan. There is no automatic renewal or charge.
Read these terms before opening the schedule. Bookings are handled in Calendly and payments through Stripe; review the format, amount, and payment, cancellation, and refund terms there before confirming. Contact us first if you need clarification. The request form does not purchase the service or confirm a booking.
The US$99 Buyer Profile and Budget plan purchased separately retains its scope of one 60-minute session and a personalized summary.
YOUR NEXT STEP
Have questions before booking, or want to upgrade a profile you already paid for? Choose your plan and prepare a brief description of your situation. Use the consultation plan buttons to choose an appointment. Consultations are currently offered in Spanish.
Prepare your request, review the text, and select “Send request” to submit it from this page.
Tuereselnegociante@gmail.comYou do not need all the answers yet.
Start with what you want to understand.