Savings Estimator
Enter your deal details to compare an illustrative cost-exposure scenario with our flat advisory fee. This is not a dealer-profit estimate or a savings guarantee.
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.
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Schedule a Consultation →How the estimate works
The finance scenario compares total amortized loan payments at a base APR with total payments after an assumed APR markup. The remaining F&I-product and vehicle-price figures are capped planning assumptions. They are not measurements of a specific dealer’s cost, revenue, or profit.
Lease results apply the standard depreciation-plus-rent-charge formula to the values you enter. Taxes, acquisition and disposition fees, incentives, rebates, trade equity, credit tier, and regional program rules may change an actual quote. Validate every input against a lender or dealer worksheet.
Reading your result
Treat the output as a sensitivity analysis: it shows how the entered assumptions affect total payments and a hypothetical cost difference after the advisory fee. It does not predict a dealer’s profit or promise a result. Compare it with written offers and review independent guidance from the Consumer Financial Protection Bureau and Federal Trade Commission.