Vehicle service contract
May cover certain repairs after the factory warranty. Check the price, deductible, exclusions, term, and cancellation rules.
WHAT IT CHECKS
See where the money goes before it becomes a monthly payment.
A lower payment can hide a longer term, a higher rate, financed products, or rolled-in trade debt. PencilProof separates the pieces so you can see the actual impact.
UNDERSTAND THE FINANCE OFFICE
Know what each product does—and what it adds to the loan.
PencilProof does not automatically label every product good or bad. It shows the cost and gives you the questions needed to decide whether it fits your situation.
Guaranteed asset protection
May help cover the gap between an insurance settlement and a loan balance after a covered total loss. Limits and exclusions matter.
Prepaid maintenance
Prepays listed maintenance services. It is not a repair warranty, so separate convenience from included value.
Tire & wheel protection
May cover eligible road-hazard damage. Verify cosmetic coverage, deductibles, limits, and exclusions.
Accessories and other add-ons
Appearance, GPS, theft, etch, nitrogen, physical accessories, and other packages can raise both the amount financed and the interest you pay.
THE BIG FOUR
The quote is more than the payment.
Full Quote Audit puts the important relationships in one place so a monthly number does not hide the rest of the deal.
Rebuild the estimated payment from price, taxes, fees, products, cash down, APR, and term.
See what financed products and interest can add over the life of the loan, not just this month.
Separate trade allowance, payoff, and rolled-in balance so negative equity is not invisible.
Turn findings into a copy-ready request for exact figures from the dealership.