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HOME›KNOW YOUR BUYING POWER›KNOW YOUR BUYING POWER VS PAYMENTSIQ
COMPARE · PAYMENT TOOLS

KNOW YOUR BUYING POWER VS PAYMENTSIQ FOR DEALERS COMPARING PAYMENT TOOLS

Both tools let a shopper work out what they can afford on your website and turn that into a lead. The differences are in whose name is on it, what the lead carries, and whether you pay for it separately. Know Your Buying Power comes with every MOTO(acquire) product; paymentsIQ is a Protomiq product sold on its own.
( ) INCLUDED WITH EVERY MOTO PRODUCT( ) YOUR BRANDING, YOUR RATES( ) TRADE VALUE FACTORED IN( ) ESTIMATES CLEARLY LABELED
ABOUT PAYMENTSIQ

WHAT PAYMENTSIQ IS

PROTOMIQ PAYMENTSIQ (FORMERLY TRADEPENDING WHAT'S MY BUYING POWER) · PROTOMIQ

paymentsIQ is Protomiq's payment calculator for dealer websites, the successor to the TradePending tool many dealer sites still label "What's My Buying Power". Shoppers estimate a monthly payment, evaluate affordability and browse inventory that fits their budget on any device, with no effect on their credit score, according to protomiq.com.

Its pitch to the store is lead intelligence: paymentsIQ captures desired payment and down payment, buying behavior and financial indicators, adds household income and spending insights, scores the lead hot, warm or cool, and delivers it to the CRM. It is one of six Protomiq products, priced on request.

ABOUT MOTO(acquire)

WHAT MOTO(acquire) IS

FOUR PRODUCTS · ONE PLATFORM · CHICAGO, IL

Know Your Buying Power is MOTO(acquire)'s payment tool, included with every MOTO product. From a banner or button on your site, the shopper types the monthly payment they are comfortable with, picks a credit range and sees an estimated payment and the price range they can realistically shop. If they valued their trade in MOTO(convert), it is factored in.

They leave a phone number to see or save the result, and the lead lands in your CRM under its own source so the desk starts with the full picture. You set the rates by credit tier, and payoff and loan-or-lease questions are optional. Every result is labeled as an estimate, not an offer of credit.

SIDE BY SIDE

KNOW YOUR BUYING POWER VS PAYMENTSIQ, FEATURE BY FEATURE

What we compared
KNOW YOUR BUYING POWER
paymentsIQ
What the shopper does
Types the monthly payment they are comfortable with and picks a credit range, from a banner or button on your site
Estimates monthly payments and explores inventory that fits the budget, on the dealer's website
What they get back
An estimated payment and the price range they can realistically shop, clearly labeled as an estimate
Affordability estimates and inventory that fits, with no effect on their credit score (per protomiq.com)
Trade-in
A trade valued in MOTO(convert) is factored into the result automatically
Part of the broader Protomiq suite; tradeIQ is a separate product
Credit
Shopper self-selects a credit range; you set the rate for each credit tier
No ding to the shopper's credit score; rate handling not published
Payoff and loan or lease
Optional questions you can turn on
Equity and payoff context is part of tradeIQ, not stated for paymentsIQ
What the lead carries
Phone number, payment target, credit range, trade value if any, vehicle of interest, source
Desired payment and down payment, buying signals, household income and spending insights, hot / warm / cool score
CRM delivery
ADF/XML to any CRM under its own "Buying Power" lead source, no CRM vendor fee
Enriched lead delivered to the CRM with prioritization signals
Branding
Your store's name and look; MOTO is not named to the shopper
Dealer website placement; vendor branding varies by install
Pricing
Included with every MOTO(acquire) product
Sold as a separate Protomiq product; pricing on request
What it is sold with
MOTO(convert), MOTO(retain), MOTO(drive) and MOTO(social)
tradeIQ, offerIQ, AutoBio, Service Offers and Value Watch
Competitor facts checked on protomiq.com (paymentsIQ, platform and pricing pages), October 2026. Dealer-site page titles still reading "What's My Buying Power" checked in Google results, October 2026. "Dealer websites seen running it" is from MOTO's own scan of about 25,000 US dealer websites and counts the tool offered to shoppers, not contracts. Product names belong to their owners.
WHY DEALERS SWITCH

WHAT CHANGES WHEN YOU MOVE FROM PAYMENTSIQ

ONE

It is already included

If you run any MOTO product, Know Your Buying Power is on your site at no extra charge. There is nothing to add to the contract.
TWO

Fewer surprises at the desk

Shoppers see what their credit range and trade can actually support before they come in, so fewer people show up expecting a payment you cannot hit. Every result is labeled as an estimate, not an offer of credit.
THREE

The trade is part of the math

A value from MOTO(convert) flows straight into the payment estimate, so the shopper is working one number, not two tools.
SWITCHING

WHAT STAYS THE SAME

  • Your rates are yours. You set the rate for each credit tier, and you can switch payoff and loan-or-lease questions on or off.
  • Your CRM processes stay. Buying-power leads arrive under their own source name next to your trade leads.
  • Your website provider stays. It installs from a banner or button with the same snippet as MOTO(convert).
THREE STEPS

HOW A SWITCH WORKS

  1. Bring last month's trade-lead count to a 20-minute demo. We show you MOTO(convert) on your own site.
  2. Your web provider adds the snippet and we point your CRM at the six MOTO lead sources. Most stores are live within a day.
  3. Compare the month after with the month before: trade leads, appointments and cars bought from website trades.
QUESTIONS DEALERS ASK

KNOW YOUR BUYING POWER VS PAYMENTSIQ, ANSWERED

SEE IT ON YOUR SITE

FEWER SURPRISES AT THE DESK.

Know Your Buying Power is included with MotoAcquire. Twenty minutes, your website, your numbers.
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