About Balance Point
Balance Point is a free guide for the day you buy a car. You type a few monthly numbers. It shows what the car costs you each month, all in, next to the most you want all car costs to take. It does not tell you what to buy, what to offer or whom to borrow from.
General information for learning. Not financial, legal or credit advice. We name no lender.
What it is and how it works
The guide compares a car's monthly payment and running costs against your monthly limit, and its finance-office pages list state rules on add-on products, with quoted sources. The How it works page explains every formula, rounding rule and public starting source.
Who makes it
Balance Point is made and run by one person. No lender, dealer or advertiser pays for an answer.
How it is paid for
The site is free. Ads from Google AdSense may be added after Google approves the site. Ads would not change what the guide works out, and no advertiser would see what you type.
The Privacy page explains what stays in your browser, what the visit counter receives and what will change if ads are added.
How facts are checked
Each finance-office fact comes from a statute, a regulation or a page that a government body publishes. The words are quoted and linked, and each page shows the date it was last checked. Where we could not confirm a fact, the page says so.
What it does not do
Balance Point is not a lender, names no lender and sells nothing. It does not ask for your name, email, phone number or account details, and has no sign-up or lead form. It is general information, not financial, legal or credit advice.
Corrections and contact
If something is wrong, write to hello@balancepointauto.com. The owner reads messages and fixes errors that are confirmed.