Monthly Payment Decoder
Enter a dealer's payment quote and see what vehicle price is hidden inside it.
Why monthly payments hide the real cost
Dealers love to negotiate on monthly payments because it's easy to manipulate. Stretch the loan from 60 to 72 months and a $5,000 price increase becomes just $83/month. This tool reverses the math — enter what they're quoting you and see the actual vehicle price buried inside it.
If the implied OTD price is higher than what you expected to pay, that gap is what's worth negotiating. Don't negotiate the payment. Negotiate the total.