PENCILPROOF GUIDES
Understand the written deal before you sign.
Use these plain-language guides to identify the numbers, ask focused questions, and compare what changed without relying on the monthly payment alone.
QUOTE REVIEW
How to review a car dealer quote
Check the written price, financing, trade, fees, products, and payment.
Read guide →PAYMENTWhy is my car payment different?
Trace changes in price, APR, term, fees, products, cash, and trade.
Read guide →FINANCINGWhy is amount financed higher than price?
Rebuild the balance from selling price to the final amount financed.
Read guide →TRADENegative equity explained
See how payoff and trade allowance can affect the new financing.
Read guide →PRODUCTSGAP, service contracts, and add-ons
Review each optional product separately before deciding.
Read guide →FEESCar dealer fees and add-ons
Separate government charges, dealer fees, and optional products.
Read guide →WORKSHEETHow to read a dealer worksheet
Find the figures that create the balance and payment.
Read guide →COMPAREHow to compare dealer quotes
Put competing written offers on the same basis.
Read guide →