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Negotiated · Car Buying Advisory The Smarter Way to Buy
Your Next Car.

We source the car, negotiate the deal, review the financing, and check the contract before you sign.

We advocate for you, not the dealer. Negotiated is paid only by the client and accepts no dealer commissions or referral fees, so the only interest we represent is yours.

  • Nationwide
    Nationwide vehicle sourcing
  • Buyer-Paid Only
    No dealer compensation
  • Remote Convenience
    Handled by phone, email, and chat
  • Expert Negotiation
    Price, rate, trade, and F&I

Who pays your car-buying advisor matters.

Negotiated is paid only by the client. We do not accept dealer referral fees, lender compensation, manufacturer compensation, or product-provider commissions. Our compensation does not change based on which vehicle, dealer, financing option, or product you choose.

One client. One fee. One side of the transaction — yours.

The price of the car is only one number.

A strong transaction depends on how every part of the deal fits together. Negotiated reviews the full economic structure before you sign.

  1. Vehicle Price
  2. Manufacturer Incentives
  3. Trade-In
  4. Financing / Money Factor
  5. Dealer Fees
  6. F&I Products
  7. Final Contract

Negotiated reviews the whole transaction — not just the discount.

Your Concierge Experience

Five steps from here to your next car.

No showroom visits. No pressure tactics. No surprises at signing.

  1. 01

    Intake & Scoping

    A structured intake captures your vehicle specs or search brief, timeline, trade-in, and financing status, and the engagement is confirmed under the Client Service Agreement.

  2. 02

    Sourcing & Market Scan

    We search and contact dealers nationwide, with no preferred-inventory limitation, and analyze market position — days on lot, regional supply, and live incentive programs — to find where the leverage is.

  3. 03

    Negotiation

    Remote dealer outreach by phone, email, and portal. We negotiate out-the-door price from invoice data, holdback, and end-of-month targets.

  4. 04

    F&I Preparation

    Before anything is signed, we review the finance structure: rate vs. approved buy rate, every product on the F&I menu, and every fee on the worksheet.

  5. 05

    Close & Sign

    Final numbers verified against what was agreed. Remote e-signing coordinated where the dealer supports it — otherwise a prepared appointment where your only job is to review, sign, and drive home.

What We Analyze

Every variable in your deal — verified before you sign.

PRICE

Vehicle Price vs. Invoice

We verify the dealer's cost basis — invoice, holdback, and applicable manufacturer incentives — to establish the lowest defensible offer.

LEVERAGE

Market Position

Days on lot, regional supply, and competing dealer inventory determine how much leverage exists on your specific vehicle.

APR

Financing Rate Integrity

We compare the rate on your contract against the lender's actual buy rate approval to identify any dealer reserve markup.

F&I

F&I Product Assessment

Every product on the finance office menu is evaluated against your vehicle, coverage needs, and existing insurance.

FEES

Fee Verification

Documentation fees, administrative charges, and dealer-added accessories are checked against state-regulated caps and market norms.

TRADE

Trade-In Valuation

If you have a trade, we verify the dealer's appraisal against current wholesale and retail market data.

Finance Office Protection

The finance office is where most buyers lose the money they saved.

Negotiating the vehicle price is only half the battle. The other half is ensuring the F&I manager doesn't raise your payment with high-margin products. With Full Purchase Concierge, we review the dealer's itemized worksheet before you sign, explaining the cost, coverage, and overlap of each product and flagging pricing that differs from what was agreed.

GAP Coverage

Often Worth It

Covers the gap between your insurance payout and loan balance if the car is totaled. Valuable if you financed with a small down payment.

Extended Warranty

Sometimes Worth It

Can make sense if priced near cost and kept past the manufacturer warranty. Dealer pricing can include a large markup. We negotiate the actual price.

Tire & Wheel

Context Dependent

Valuable in urban markets with potholes. Overpriced everywhere else. We'll tell you if your area and vehicle make it worthwhile.

Paint Sealant

Evaluate Carefully

A low-cost product applied during dealer prep, often sold at a significant markup. The cost-to-value ratio is generally unfavorable, but we'll review the specific charge in your contract.

Key Replacement

Check Existing Coverage

Comprehensive auto insurance often covers key replacement already. Verify your existing policy before deciding — if coverage exists, this product is redundant.

GAP Waiver (Lease)

Check Your Lease First

Many captive lenders already include gap protection in the lease agreement. Always verify before paying for a duplicate.

The Problem We Solve

The dealer's playbook — used against you.

Every piece of the transaction is structured to maximize dealer gross, not your outcome.

  • Payment negotiation hides total vehicle costWe negotiate out-the-door price only
  • F&I products bundled without explanationWe inform you on every product before you sign
  • Financing rates inflated above your approved rateWe verify your buy rate vs. what they offer
  • Market adjustments added after you've committedWe eliminate unauthorized charges upfront
"We've managed dealership finance offices and spent years analyzing complex financial contracts. We know exactly how retail purchase agreements are structured to benefit the dealer over the consumer. Now we use that expertise on your behalf."
The Negotiated Advisory TeamExpert Automotive Concierges
Franchise DealersIndependent LotsNew VehiclesUsed & CPO

Flat-Fee Services

One price. Paid by you, never the dealer.

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Full Purchase Concierge

$1,000flat fee

Sourcing, negotiation, F&I review, and closing coordination, end to end.

  • Nationwide sourcing
  • Out-the-door negotiation
  • F&I review
  • Closing coordination
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Client Reviews

What our clients say.

Real Reviews, Real Clients.

Knowledge Base

Straight answers, no runaround.

Car buying has too much jargon and too little transparency. Here are direct answers to what people actually ask.

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Intake Form

An advisor will be in touch within one business day to discuss your engagement.

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Vehicle Details
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