Should I shop by monthly payment or total price?

Focus on the total out-the-door price first, then look at the monthly payment. A low payment can hide a long loan term, a high interest rate or add-ons that make the car cost much more overall. Once you know the total, compare loan terms and rates. On OffLot, every vehicle page shows an out-the-door estimate alongside financing and lease estimates, so you can see both numbers together.