Objective financial breakdowns, lease agreement clauses, state tax rules, and money factor calculations to eliminate dealer opacity before signing your next vehicle contract.
Combining Thomas Saaty's Analytic Hierarchy Process (AHP) with multi-criteria Weighted Sum Modeling (WSM).
Why AHP?
Instead of arbitrarily picking percentage weights, we use the formal Analytic Hierarchy Process (AHP) developed by Dr. Thomas Saaty. Each diagnostic lifestyle dimension is mathematically compared in pairs against every other dimension to derive objective priority vectors.
6×6 Pairwise Comparison Matrix
Saaty scale (1.0–9.0)
Criterion
UF
CC
LS
RT
FS
TN
UFUsage Freedom
1.00
1.00
1.33
1.33
1.50
2.00
CCCommitment Comfort
1.00
1.00
1.20
1.25
1.50
2.00
LSLife Stability
0.75
0.83
1.00
1.00
1.20
1.50
RTRisk Tolerance
0.75
0.80
1.00
1.00
1.20
1.50
FSFinancial Strategy
0.67
0.67
0.83
0.83
1.00
1.25
TNTech & Novelty
0.50
0.50
0.67
0.67
0.80
1.00
Values > 1 denote relative priority of the row criterion over the column criterion; values < 1 denote reciprocal intensity.
Derived Normalized Axis Weights
#1 UF
22%
Usage Freedom
Annual mileage tolerance, commuting patterns, and flexibility of movement.
#2 CC
20%
Commitment Comfort
Vehicle retention horizon (2–3 years vs 6+ years long-term ownership).
#3 LS
17%
Life Stability
Predictability of residence, family size, career trajectory, and income over 36 months.
#4 RT
16%
Risk Tolerance
Appetite for out-of-warranty mechanical repairs versus consistent fixed monthly costs.
#5 FS
14%
Financial Strategy
Monthly cash flow liquidity versus long-term debt-free asset accumulation.
#6 TN
11%
Tech & Novelty
Desire for latest automotive safety, infotainment, and battery technologies.
Consistency Verification (CR < 0.10)
AHP requires testing pairwise comparisons for logical transitivity (e.g. if A > B and B > C, then A must be > C). Our calibrated matrix yields:
λ max
6.0015
Consistency Index
0.00029
Random Index (n=6)
1.24
Consistency Ratio
0.00023 < 0.10
Conclusion: Since CR = 0.00023 is far below the 0.10 threshold, the matrix is mathematically consistent and suitable for rigorous automotive advisory.
How WSM Evaluates User Answers
The Weighted Sum Model (WSM) evaluates each answer across Lease and Buy dimensions. Instead of a narrow 3/2/1 scale (which caps results at 75%), we employ a 5 / 3 / 1 scale to expand decision resolution to 17%–83% while keeping neutral answers strictly balanced (3/3).
Scoring Scale Breakdown
A (Lease-leaning)
Strong affinity for flexibility, warranty, modern tech, or low monthly commitment
5 Lease/1 Buy
B (Balanced)
Equally open to leasing or purchasing based on current market promotions
3 Lease/3 Buy
C (Buy-leaning)
Clear preference for long-term equity, unlimited mileage, and zero vehicle debt
1 Lease/5 Buy
Questions & Axis Weight Mapping
Question Prompt
Target Axis
AHP Weight
How long do you see yourself driving your next car?
Commitment Comfort (CC)
20%
How would you describe your typical driving routine?
Usage Freedom (UF)
22%
Looking 3 years ahead, how much could your lifestyle shift?
Life Stability (LS)
17%
When it comes to vehicle costs, what concerns you more?
Risk Tolerance (RT)
16%
What is your primary priority for monthly cash flow?
Financial Strategy (FS)
14%
How important is driving the newest vehicle tech and safety systems?
Tech & Novelty (TN)
11%
Skip Logic Normalization
If a user skips any question, the engine normalizes the remaining answered axes to sum exactly to 100%. Missing axes create visible gaps on the radar chart, encouraging completion without distorting answered realities.