Don't drive off the lot without reading this first
Review dealer contracts for yo-yo financing traps, inflated add-ons, spot delivery risks, hidden fees, and warranty terms — before you sign anything at the dealership and lose all your negotiating leverage.
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What It Analyzes
Every key area reviewed, flagged, and explained in plain English.
Yo-Yo Financing Detection
Identifies spot delivery clauses that let the dealer call you back days later to renegotiate at worse financing terms after you've already driven the car home.
Inflated Add-Ons
Flags overpriced GAP insurance, extended warranties, paint protection, and tire packages — common dealer profit centers often added without clear disclosure.
True Total Cost
Calculates the full cost of the vehicle including all fees, add-ons, interest, and dealer charges — not just the monthly payment number they want you to focus on.
APR Verification
Identifies your actual financing rate and compares it against current market rates to determine if you're being charged above standard.
Trade-In Terms
Reviews how your trade-in value is applied and whether it was offset against the vehicle price or financing terms in a way that obscures the true deal.
Warranty & Returns
Explains the warranty coverage, extended warranty terms, and whether you have any cancellation or return rights — which are almost always limited.
How It Works
Three steps to instant insights
Upload or Paste
Drop a PDF or paste your document text directly into the tool.
AI Analysis
Our AI processes your document and extracts key information, risks, and recommendations.
Get Your Report
Receive a structured report with plain-English explanations and actionable next steps.
What You Get
Every analysis includes a comprehensive, structured report.
Frequently Asked Questions
What is yo-yo financing and how does it work?
Yo-yo financing (also called spot delivery) is when a dealer lets you drive the car home before financing is finalized. Days later, they call you to say your loan wasn't approved and you must return for a new deal at a higher rate — banking on the fact that you're now attached to the car.
Are dealer add-ons worth buying?
Rarely. GAP insurance through a dealer typically costs 2–4x what you'd pay through your own insurer. Extended warranties sold at dealerships are often low-value with high profit margins. Our analysis flags each add-on so you can evaluate them independently.
Can I still review a contract I already signed?
Yes. If you recently signed and are within your state's cancellation window, reviewing the contract may reveal issues worth acting on. Even outside that window, understanding your financing terms and warranty coverage is valuable.
Does this work for both new and used car purchases?
Yes. We analyze both new and used vehicle purchase and financing agreements, including certified pre-owned dealer contracts.