Be Your Own Broker
Walk in knowing more than they do.
You usually can't buy straight from the factory — so here's the dealer's own math. Rebuild your real out-the-door price, catch the rate they quietly switch, and learn to say no in the finance office. Free. No signup. Nobody selling you anything.
First, the one thing to know
They sell you a monthly payment. Not a price.
That's the whole game. The finance office makes its money in the space between the two — a stretched-out term, a padded rate, an add-on you never asked for. Every trick on this site lives in that gap. The check below rebuilds the one number that can't hide: your real out-the-door price.
↓ It's right below, pre-filled with a real example — change it to your own.
The Finance-Office Check
Paste their numbers. We find the switch.
Pull these straight off the dealer's worksheet or your loan paperwork. It runs in your browser — nothing is sent anywhere, and there's nothing to sign up for. The example below is pre-filled; change it to your own.
This is a math check, not financial advice — it tells you whether the numbers on your own paperwork agree with each other. Always read the contract you sign.
Turn the numbers into a dealer email
Three moves, in the order a broker runs them. Name the car once and your out-the-door price flows in from the check above — copy it, or open it straight in your email app.
Why this exists
The deck is stacked. This unstacks it a little.
For most new cars, you can't buy straight from the manufacturer — the sale runs through a franchised dealer whose finance office earns money on what you don't notice. You don't get to skip the middleman. You do get to walk in knowing exactly how their math works.
"Negotiate as much as you want — they can only say yes or no. If you don't like the deal, walk out. The manager almost always calls back."— the whole playbook, in one line
The tool checks one deal. The playbook wins the whole thing.
The exact order of moves — from pre-approval to the out-the-door quote in writing to the finance-office no's — written by someone tired of watching good people overpay.
Read the playbook → Print the checklist →