Send us the Truth in Lending box before you sign. We read the six figures it discloses, check that the finance charge and the total of payments add up against the amount financed and the term, and put your APR next to a benchmark for your credit tier, the car's condition and the term.
$7.99 a review. No dealer or lender pays us anything. Dallas–Fort Worth for now.
A number on its own is just a claim. So every figure says whether we read it off the document you sent, whether you typed it in, or whether we worked it out — and from what. When the Truth in Lending box doesn't state something, we tell you that, instead of filling in something plausible and hoping you don't check.
Your APR
11.24%
Read off the Truth in Lending box.
Benchmark 9.1% for Good (661-780) credit,
a used vehicle and a 60-month
term, from Experian State of the Automotive Finance Market (Q3 2025).
Difference is 2.14 percentage points.
Amount financed
$34,180.00
Read off the Truth in Lending box.
Monthly payment
$747.25
Amortized from the amount financed, the APR and the term.
Total of payments $44835.00.
Vehicle price
Not disclosed
The Truth in Lending box doesn't state it, and we don't read the buyer's order yet. We're not going to guess it.
A photo or a PDF of the federal disclosure box: APR, finance charge, amount financed, total of payments, monthly payment and term. One document, and that box is what we read.
We pull those six figures out and check two sums: that the amount financed plus the finance charge matches the total of payments, and that the monthly payment times the term matches it too. The APR itself is not something we can re-derive, so we compare it with a benchmark for your credit tier, the car's condition and the length of the loan, and show you that benchmark and the date on it.
That's the end of our involvement. We don't ring the dealer, and we don't make anything from what you do next.
One checks a deal you've already been offered. That is the one we have built. The other would find out what other dealers charge for the same car; it is not built yet, and the price and terms below are what we intend to offer, not something you can buy today.
Deal Review
Available in the beta$7.99
You've got paperwork in front of you and not much time. We work out what it actually says, what it actually costs, and what doesn't add up.
One review. If we can't find the Truth in Lending box in what you send, you can type the six figures in by hand in the same session.
Price Discovery
Not built yet$149.99
You know the car but not the dealer. We'll reach out to dealerships around Dallas–Fort Worth, and ask each one of them for their best price in writing, and lay the answers out side by side.
Intended at $149.99 for two searches, good for three months, in Dallas–Fort Worth. Our AI agent doesn't negotiate or attempt to be a broker. It simply finds the best price for you, so you can walk in the dealership with confidence.
No dealer or lender gives us money. Not for placement, not for leads, not when you buy something. You pay us and that's the entire business, which is the only reason we can show you the numbers without an interest in which way you decide.
We also won't invent numbers to fill a gap. The Truth in Lending box is what we read today, so anything it doesn't state — the vehicle price, an itemized service contract, the trade-in — shows as "not disclosed", with a note saying why.
If Price Discovery ships, it will ask dealers questions. It will not negotiate, name a price, or tell anyone you are going to buy. That boundary is a commitment about a product we have not built, not a description of something happening now.