Don't sign until we've marked it up.
Snap your car quote. Our F&I-built checker circles the junk fees, hidden markups and payment packing in seconds. Free.
No sign-up. Works for buying or leasing. Your numbers stay on your device.
How it works
Three steps. About a minute.
Snap
Photograph your buyer's order or lease worksheet, or type the numbers in. It's read right on your phone.
We mark it up
We recompute the real payment and out-the-door price, then circle anything that looks off.
Know what to say
Get plain-English scripts for each red mark, written from the F&I side of the desk.
What we catch
The stuff that hides in the fine print.
Payment packing
Your quoted payment is higher than the math. We show the gap per month and over the loan.
Marked-up rates & money factor
APR and lease money factor checks, with the APR equivalent (MF × 2400) shown.
Junk add-ons
Nitrogen, protection packages, etching, market adjustments: itemized and flagged.
Overpriced GAP & warranties
F&I products compared to editable guidance ceilings, plus the monthly cost they add.
Negative equity
See when an upside-down trade is quietly rolled into your new loan.
High doc & lease fees
Doc fees, acquisition fees, cap cost near MSRP, and big drive-offs.
The checker
Check my deal
Snap a photo, paste the text, or type the numbers. Everything is calculated in your browser.
Photo of a buyer's order, quote or lease worksheet. It's read on your phone. The photo is never uploaded.
Or paste the quote text
Adjust flag thresholds (general guidance, editable)
These are general guidance starting points, not official figures or market statistics. Fees and fair prices vary by state, lender, vehicle and month. Adjust them to what you know about your market. Saved only in this browser.
F&I Manager Review
Get a real F&I manager on your side. $79
- Send your buyer's order or lease worksheet after checkout
- A personal, written line-by-line review within 24 hours
- What to push back on, what's fair, and exactly what to say
Educational opinion only, not financial or legal advice. Please black out your SSN, driver's license and account numbers before uploading.
The F&I playbook
FAQ
Questions, answered.
Is it free?
The checker, photo reading, Deal Score, totals and your top red-pen mark are free. The full report (every flag, the dollar impact and all dealership scripts) is a one-time $29. A personal written F&I Manager Review is $79.
What's your refund policy?
If your full report doesn't unlock or you're unhappy, email us within 7 days for a full refund. Reviews are refundable if we haven't delivered within 24 hours of you sending your quote.
Do you upload my quote or photo?
No. The math and photo reading run on your device. The first time you scan, the free text-reading library downloads to your phone once. Only things you choose to submit (waitlist emails, or documents for a paid review) are sent to us.
How accurate is it?
It calculates from the numbers you enter or that we read from your photo. Photo reading can miss or misread values, so always double-check the highlighted fields. Results are estimates; verify with your lender and contract.
Where do the thresholds come from?
They are general-guidance starting points, not market statistics. Fees vary by state, lender and vehicle, so every threshold is editable.
Does it work for leases?
Yes. Switch to Lease to check cap cost, money factor, residual, acquisition fee, drive-off and the payment.
Who built this?
Built by an F&I Manager: someone who sat on the other side of the desk and knows where the money hides.
Pro reviews
Want an F&I manager to personally review your deal before you sign? Join the waitlist and we'll let you know when it opens.
We'll only use your email for Pro review updates. No spam.