The automotive industry is facing a major challenge as new tariffs are expected to drive up vehicle prices. This comes at a time when consumer affordability is already stretched by high interest rates, long loan terms, and increasing prices. More than ever, car shoppers are asking: "What is my monthly payment on this new or used car?"

As automakers, dealers and the software companies who support them navigate this evolving environment, one key issue stands out: how to make sure people can still afford the vehicles they need. Rising prices and financing costs mean it’s critical to provide tools that make it easier for buyers to understand their options.

That’s where Carmatic comes in.

Carmatic helps dealerships and software providers present accurate, personalized monthly payments to shoppers, early in the buying journey. Its proprietary technology plugs into digital marketing platforms, CDP's, dealer websites, vehicle listings platforms, and digital retail solutions to show real monthly payment scenarios that include lender terms, incentives, taxes, and fees. All while maximizing profitability for the dealers on every hood. 

Why This Matters

1. Clear, Accurate Payments – Instead of general estimates, shoppers get lender-backed monthly payments based on real-time rates, current incentives, taxes and fees. This helps them understand what they can actually afford.

2. Easy Integration – Carmatic’s APIs can be added to existing tools and websites, making it easier for companies to provide accurate payment info without building their own infrastructure.

3. Multiple Financing Options – Carmatic supports a wide range of lenders and lease programs, so buyers see real, dealer supported offers—not just rough estimates.

4. Line of Sight for Shoppers – Giving consumers a better view of their financing options builds trust and confidence, helping them feel more in control before they step into a dealership.

5. Support for Dealers and Tech Vendors – The benefits extend beyond buyers. Dealerships and the software platforms they use see better engagement and lead quality when shoppers have realistic monthly payment expectations from the start.

Looking Ahead

Tariffs will likely make vehicles more expensive, but that doesn’t mean demand has to fall off a cliff. Tools like Carmatic can help buffer the impact by giving shoppers the clarity they need to make informed decisions.

If affordability is going to be one of the biggest hurdles in the months ahead, then solutions that put transactable monthly payments front and center will be essential.

Carmatic is working with partners across the industry to make this possible.

We’d love to hear from others: how are you planning to support consumer affordability as the market shifts?