09AI Deal Decoder
Every line, labelled: fixed, negotiable or optional.
- Financed
- $32,164
- Monthly
- $666
- Interest over term
- $7,803
- Optional items
- $4,290
Negotiable
This is where the conversation actually happens.Vehicle price
The agreed selling price before anything else. The headline number, and not the most important one.
Market adjustment
An amount above sticker. Entirely discretionary — ask what it is for.
Trade-in value (subtracted)
Moves the deal more than most negotiating over price does.
Cash down (subtracted)
Your money, not a discount. It lowers the payment, not the price.
Fixed
Same at every dealership. Not worth your energy.Destination charge
Factory-to-dealer shipping. Identical everywhere. Nobody can remove it.
Documentation fee
State-capped paperwork charge, the same for every buyer here.
Tax, title & registration
Collected on behalf of the state. Not dealership revenue.
Optional
You can decline this and still buy the car.Protection packages
Paint, fabric, wheel and key coverage. Decline-able. Frequently repriced when you do.
Extended service contract
Prepaid post-warranty repairs. Negotiable and cancellable later, pro rata.
GAP coverage
Useful with little money down, unnecessary with a lot.
10Translate PDFs
Bring me the paperwork before you sign it.
Lease worksheets, buyer's orders and finance contracts are written to be signed, not read. Copy the text out of the PDF and paste it into Human Translation, and every term on it comes back in plain sentences — including the ones from a competing dealership.
Yes, that includes quotes that are not mine. If someone else's deal is genuinely better, I would rather you knew that from me than found out later.
Estimates only, calculated in your browser from figures you type. Not an offer of credit, a quote, or a guarantee of terms. Actual rates depend on approval, and tax and title amounts vary by county.