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Pricing

Flat fee. No surprises.
No dealer commission.

Our pricing is transparent and fixed. You know the cost before you engage. We earn nothing from dealers, manufacturers, or lenders — our compensation is exclusively your fee.

Most Popular

Full Purchase Concierge

$1,000
flat fee

Complete deal management from first contact to signed contract. We negotiate your vehicle price remotely across multiple dealers, verify your financing rate, and review every line of your contract before you sign.

What's Included
  • Multi-dealer remote price negotiation
  • Out-the-door price verification
  • Trade-in value assessment (if applicable)
  • Financing rate buy rate check
  • Pre-finance office briefing
  • Complete F&I contract review
  • F&I product cost-and-value assessment
  • Dealership Closing Coordination
  • Post-signing follow-up support
Best For

Buyers who want full coverage and no surprises at any point in the transaction.

Begin Your Engagement →See concierge details →
New & Used

Price Negotiation Only

$750
flat fee

Remote dealer negotiation to secure the best out-the-door price on a specific vehicle. F&I contract review is not included — this is purely the negotiation engagement.

What's Included
  • Multi-dealer remote price negotiation
  • Out-the-door price verification
  • Trade-in value assessment (if applicable)
  • Competing offer analysis
  • Deal presentation and summary
Best For

Buyers who are confident in the finance office and need help exclusively on the vehicle price.

Begin Your Engagement →See negotiation details →
Finance Office Prep

Pre-Purchase F&I Consultation

$500
flat fee

A focused briefing before you enter the finance office. We walk you through every product you will be offered, what each is worth, which have genuine value for your specific situation, and exactly how to respond when the F&I manager pushes back.

What's Included
  • Product-by-product F&I briefing
  • Deal-specific product cost, coverage, and value analysis
  • Money factor and APR verification (for lease deals)
  • Response scripts for F&I objections
  • Post-signing contract confirmation
  • Post-signing question support
Best For

Buyers who have already negotiated their price and want protection specifically in the finance office.

Begin Your Engagement →See F&I consultation details →
Already Purchased

F&I Audit (Post-Purchase)

$250
flat fee

A complete review of your signed finance contract and F&I product disclosures. We identify what you bought, what it cost, what each product is actually worth, and which products are cancellable for a prorated refund.

What's Included
  • Full contract line-by-line review
  • Financing rate vs. buy rate comparison
  • Product-by-product cost-and-value analysis
  • Cancellable product identification
  • Estimated refund amount per product
  • Cancellation request template and instructions
Best For

Anyone who signed a car contract and has lingering uncertainty about what they agreed to.

Begin Your Engagement →See F&I audit details →

Payment Methods

We accept all standard payment methods.

Payment is due at engagement, before the negotiation begins. We do not begin dealer outreach until the engagement is confirmed and payment is received.

ACH Transfer
Bank to bank, no fee
Credit Card
Visa, Mastercard, Amex
Check
Business or personal
Zelle
Instant, no fee

Engagement Protections

Each service has a clear refund point.

Each fee is fully refundable up to a defined, service-specific point, as set out in the Client Service Agreement (CSA). These refund points assume you stay responsive: if you don't answer three written requests sent over at least seven days, we keep half the fee before the refund point and the full fee after it.

Full Purchase Concierge — $1,000

Fully refundable until we make first contact with a dealer on your behalf.

Price Negotiation Only — $750

Fully refundable until we make first contact with a dealer on your behalf.

Pre-Purchase F&I Consultation — $500

Fully refundable until the scheduled consultation session begins.

F&I Audit (Post-Purchase) — $250

Fully refundable until we begin substantive review of your finance contract — defined in the agreement as providing written or verbal analysis of any specific term or product.

If the vehicle becomes unavailable mid-engagement

In an active Concierge or Negotiation engagement, if the vehicle becomes unavailable (sold to another buyer, dealer withdrawal, damage prior to purchase), the engagement continues. You may direct us to pursue:

  • A comparable vehicle of the same year, make, model, and general trim level, or
  • A different vehicle of similar category and price range, or another vehicle we agree to in writing.

A substitute continues the same engagement and does not reset the refund point. Once we have contacted a dealer, the vehicle becoming unavailable does not entitle you to a refund, and if you choose not to pursue a substitute, the fee stays fully earned. If the vehicle becomes unavailable before we contact any dealer, the fee is still fully refundable.

Savings Estimator

How Deal Terms Change Total Cost

Your Deal
Total loan amount
$
Rate before any markup
%
Loan Term
Negotiated Service
Full Purchase Concierge covers vehicle price, dealer fees and add-ons, the financing rate, and F&I products, so all four components are shown.
Scenario Assumptions (editable)
1.50%
0.00%2.50%
% of amount financed
%
% of amount financed
%
$

Potential transaction-cost difference $5,360; $4,360 above the $1,000 fee.

Example Only — Not a Prediction of Savings
Illustrative Cost Exposure

Illustrative Scenario: the inputs shown are hypothetical example values. Replace them with figures from your own quote or worksheet.

Added Loan Payments From APR Markup$1,790
F&I Product Amount in This Scenario$1,470
Vehicle Price Difference in This Scenario$2,100
Dealer Fee / Add-On Amount Included in This Scenario$0
Potential Transaction-Cost Difference$5,360
Full Purchase Concierge Fee$1,000
Scenario Difference
$5,360
Service Fee
$1,000
Scenario Difference After Fee
$4,360
With these inputs, the modeled difference exceeds the $1,000 fee by $4,360.

This tool illustrates how changes in price, financing, fees, and optional products can affect transaction cost. Results are based on the inputs and assumptions shown and are not a prediction or guarantee of savings.

How This Scenario Is Calculated

The APR-markup figure is the difference in total payments between the base APR and the base APR plus the markup, using standard monthly amortization. Percentage assumptions are applied to the amount financed exactly as entered, with no floors or caps. The dealer fee / add-on figure is the dollar amount you enter. These are illustrative inputs, not observed dealer charges, booked dealer profit, or market benchmarks. Full Purchase Concierge covers vehicle price, dealer fees and add-ons, the financing rate, and F&I products, so all four components are shown. The post-purchase F&I Audit is not modeled: it reviews a contract that has already been signed and does not negotiate price, rate, or fees.

Disclaimer: These figures are for illustrative purposes only and do not guarantee specific savings on any individual transaction. Outputs are scenarios, not quotes, appraisals, predictions of dealer profit, or guarantees that Negotiated will achieve the modeled difference. Actual rates, products, pricing, taxes, fees, and outcomes vary by lender, dealer, vehicle, credit profile, and jurisdiction. Negotiated LLC is not a lender, dealer, or financial advisor. Review the CFPB auto-loan guide and FTC financing and leasing guidance for independent consumer information.

Pricing FAQ

Common pricing questions.

Not Sure Where to Start?

Talk it through before you commit.

Tell us about the vehicle and where you are in the process. An advisor will follow up to help you choose the service that fits, or tell you if none does.

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