Cardazo

The dealer has a finance office. Now you do too. Car dealers present a deal as one number: the monthly payment. That number can hide a longer term, a marked-up interest rate, or products added to the loan that you never agreed to. Cardazo rebuilds the deal line by line so you can see what you are actually being charged, while you are still sitting in the finance office. DECODE THE PAYMENT Enter the dealer's quoted payment, term, and rate. Cardazo rebuilds the payment from the price, taxes, and fees, and shows any difference the dealer needs to explain. SCAN THE WINDOW STICKER Photograph a new car's window sticker. Cardazo reads the base price, options, destination charge, and factory discounts, so you start with the right numbers. CHECK YOUR SIGNED CONTRACT Already bought? Photograph your retail installment contract. Cardazo checks the payment against the disclosed rate, the finance charge, the itemized amount financed, and the sales tax for where you live. Contract photos are deleted right after reading. Only the numbers are saved to your deal. SPOT THE ADD-ONS Extended warranties, GAP, and other products are often added to the loan. Cardazo separates them from the car's price so you can see what each one costs over the life of the loan. CHECK YOUR RATE See whether the dealer's rate is typical for your credit tier. COMPARE EVERY ROUND Each time the dealer comes back with new numbers, save the round. Cardazo compares them so a lower payment can't hide a longer term or a higher price. ASK THE ADVISOR Not sure what to say? The Advisor helps you understand the numbers and what to ask the finance manager. Cardazo is free. It is an educational tool to help you understand a car deal before you sign. It is not a lender, dealer, or broker, and it is not financial or legal advice.