Car-buying deal audit
See the deal behind the payment.
PencilCheck breaks down dealer worksheets, trade equity, rates, add-ons, fees, and financing so you know what to question before you sign.
Understand the full transaction—not just the monthly payment.
The PencilCheck promise
Every dollar explained.
We separate vehicle price, trade, payoff, taxes, fees, products, interest, and cash down so nothing hides inside the payment.
No hype
Plain-language analysis without pretending every dealer fee is fraudulent or every offer is a bad deal.
Your call
We surface the tradeoffs and negotiation points. You decide what fits your budget and priorities.
From worksheet to game plan
Three steps. No dealership math degree required.
PencilCheck turns the numbers on your offer into a clear picture of what you are buying, borrowing, and able to negotiate.
- 01
Send the full pencil
Share the selling price, trade allowance and payoff, cash down, APR, term, taxes, fees, rebates, and dealer products.
- 02
Find what moves the deal
See how negative equity, rate, add-ons, term length, and amount financed affect both the payment and total cost.
- 03
Walk in with a counter
Focus the conversation on the numbers with real flexibility: price, products, trade strategy, financing, and structure.
Sample scorecard
The car is not always the expensive part.
A deal can look affordable by payment while quietly carrying negative equity, products, and years of interest.
- Negative equity
- $5,700
- Dealer products
- $2,895
- Amount financed
- $52,614
- Total interest
- $17,833
Choose your level of help
Start with clarity. Add strategy when you need it.
Deal report
$29
A structured breakdown for buyers who want to see where every dollar goes.
- ✓ Deal structure and amount financed
- ✓ Equity, fees, products, and interest
- ✓ Biggest issue and likely negotiation point
Negotiation package
$249
A complete deal review and negotiation plan for an active purchase, built around the offer in front of you.
Target selling price
Trade and payoff strategy
Financing approach
Counteroffer and script
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Before you sign
Bring the worksheet. Leave with the real numbers.
Stop negotiating only from the monthly payment. PencilCheck helps you see the entire deal and decide what to do next.
Choose your deal check →