Know what a car deal really costs before you sign.

A monthly payment can hide a lot. Auto Wise Consulting helps you break a vehicle purchase into sale price, trade value and payoff, cash down, taxes and fees, optional products, amount financed, APR, term, monthly payment and total interest.

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Amount Financed

See how price, trade equity, down payment, taxes, fees and optional products combine into the balance you are actually financing.

Trade Equity

Understand whether your trade adds positive equity to the deal or rolls negative equity into the next loan.

Total Cost

Compare estimated payment, total interest and total of payments instead of judging the deal by payment alone.

What to review before buying a vehicle

Vehicle sale price and whether it matches the market.
Trade-in value, trade payoff and resulting positive or negative equity.
Cash down and how much of it actually reduces the financed balance.
Taxes, dealer fees, service contracts, GAP and other optional products.
APR, loan term, estimated payment and total interest.

Why payment shopping can cost you more

A dealer can often reach a target monthly payment by extending the term or changing the amount financed. A lower-looking payment does not automatically mean a better deal. Auto Wise focuses on the entire structure so you can see what you are agreeing to.

Use Auto Wise before or after the dealership

You can use the analysis while comparing vehicles, reviewing a proposed deal, or understanding documents after a purchase. The goal is to make the financing structure easier to understand so you can ask better questions and make a more informed decision.

Auto Wise provides educational vehicle-finance analysis. Estimates are not loan offers, approvals, lender commitments, certified appraisals or guarantees of savings or financing availability.