A changed selling price, discount, or rebate changes the amount being financed.
PAYMENT CLARITY GUIDE
Why is my car payment different from the quote?
The payment is the end of a calculation. If the payment moved, compare the inputs that create it: selling price, taxes, fees, products, trade equity, cash down, APR, and loan term.
TRACE THE CHANGE
The most common causes are visible in the written figures.
A payment difference does not identify the cause by itself. PencilProof helps you isolate the changed number so you can verify the revised quote.
Documentation, government, registration, sales tax, and other fees can be added or moved into financing.
GAP, service contracts, maintenance, tire and wheel, accessories, and other add-ons can raise the balance and the interest paid.
A different trade allowance, payoff, negative equity, or cash-down amount changes the financed balance.
The same amount financed can produce a different payment when the rate changes. The lender must confirm the final rate.
A longer term can lower the monthly payment while increasing the number of payments and potentially the total interest.
MAKE IT SPECIFIC
Compare the written quote with the numbers you want to discuss.
Upload a PDF or image for free, review the detected values, and use the result to ask what changed before you sign.
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