PRIVACY-FIRST FULL QUOTE AUDIT FOR CAR BUYERS

Understand the numbers before you sign.

PencilProof helps you review the quote you were handed—starting with the math, not the pressure. See the price, APR, fees, products, trade, and payment in one calm, readable audit.

Upload PDF or image Learn how it works

No payment required to review the scan. Your document is read locally first, and you decide whether the complete audit is useful.

Free scan first before checkoutNo dealership affiliation independent educationOne-time audit no recurring subscriptionPrivate by design local reading first

SAMPLE FULL QUOTE AUDIT

2026 Toyota RAV4 XLE Premium

4areas worth reviewing
Dealer quote$740/mo
Calculated payment$703/mo
Products financed$4,189
!

3 products add about $74/monthA service contract, GAP, and an appearance add-on are included in the loan.

!

Quoted payment is $36.59/month higherQuote: $739.95. Entered figures: $703.36. Ask the dealer to explain the variance.

✓

Dealer-ready response includedAsk for the exact amount financed, first-payment date, and an itemized buyer's order.

Example based on entered figures.See what's inside

WHAT THE AUDIT MAKES CLEAR

See what the monthly payment is really carrying.

A dealer worksheet can compress the whole deal into one number. PencilProof lays out the figures behind it so you can understand what is required, what is optional, and what to ask about before signing.

01
Price + rebatesSelling price, discounts, fees, and amount financed.
02
APR + termRate, length of the loan, payment, and total finance cost.
03
Optional productsGAP, service contracts, maintenance, tire & wheel, and more.
04
Trade equityTrade value, payoff, negative equity, and cash down.
See everything PencilProof checks
FULL QUOTE AUDITClearer figures.
Better questions.Understand the deal before you sign.

START WHERE YOU ARE

Everything you need to make the quote easier to understand.

Choose the page that answers your next question. When you are ready, upload your quote on the free scan page and see what PencilProof can read before checkout.

01 · WHO IT HELPS

Start with a clearer quote.

See how shoppers and salespeople can use the same written figures to ask for a clearer deal.

See who it helps 02 · HOW IT WORKS

Upload first. Pay only if it helps.

Learn what happens during the free scan, what you confirm, and what the Full Quote Audit adds.

See the process 03 · WHAT IT CHECKS

Find where the money goes.

See how payment math, products, APR, fees, and trade figures affect the deal.

See the checks 04 · PRICING

Know exactly what you get for $39.

One payment. One complete audit. No subscription and no charge just to test the scan.

See Full Quote Audit