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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
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
Financing rate buy rate check
Complete F&I contract review
Product necessity 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
Personalized keep / decline recommendations
Money factor and APR verification
Response scripts for F&I objections
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 necessity verdict
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

Refundable until we deliver.

All fees shall remain fully refundable up to a defined, service-specific point. Pursuant to the Client Service Agreement (CSA):

Full Purchase Concierge — $1,000
Fully refundable until you take delivery of your vehicle — the fee is earned only when your transaction is completed.
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 — $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), you may either:

  • Substitute a comparable vehicle of the same year, make, model, and general trim level, and continue the engagement under existing terms, or
  • Terminate and receive a full refund of the negotiation component of the fee.

If you don't choose within five business days of our notice, the engagement is deemed terminated and the negotiation component of the fee is refunded in full.

Savings Estimator

How Much Could You Save?

Your Deal
Total loan or lease cap cost
$
Rate before the assumed markup
%
1.50%
0.50%2.50%
Illustrative Cost Exposure — Unrepresented Scenario
Added Loan Payments From APR Markup$1,790
F&I Product Markups$1,470
Vehicle Price Negotiation Gap$2,100
Estimated Avoidable-Cost Scenario$5,360
Your Negotiated Fee$1,000
Without Us
$5,360
Our Fee
$1,000
Scenario Difference After Fee
$4,360
The modeled cost exposure exceeds the $1,000 fee by $4,360 in this illustrative scenario.
How We Calculated This

The APR component is the difference in total payments between the base APR and marked-up APR using standard monthly amortization. F&I and vehicle-price components are capped scenario assumptions, not observed charges or booked dealer profit. Vehicle price negotiation gap represents the average delta between unrepresented retail buyers and prepared buyers using wholesale cost data with multi-dealer competitive leverage — estimated at 5% of vehicle price based on industry composite data. Actual savings vary by transaction.

Disclaimer: These estimates 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 savings 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.

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