Ignore the monthly payment at first
A lower payment can come from a longer term, a larger down payment, a balloon payment, or hidden add-ons. Upload the complete written offer, including every page.
Vehicle cash price
Taxes, fees, accessories, warranties, and other add-ons
Interest, term, payment schedule, and any final payment
Ask for one clean table
| Part of the deal | Amount or term | Where it appears |
|---|---|---|
| Vehicle price | ||
| Amount financed | ||
| APR and term | ||
| Total of payments | ||
| Optional products |
The numbers should reconcile. If they do not, the answer should show the gap rather than guessing.
Questions before signing
- Which products are optional and what happens if I remove them?
- Is there a prepayment penalty or balloon payment?
- Does the trade-in line include an outstanding loan balance?
- Are any discounts conditional on using this financing?
- Can I take the written offer away and compare it?
Verify the final contract yourself. For a consequential borrowing decision, compare written offers and seek independent financial or legal guidance where appropriate.