About FMYCAR
AI-Enabled Automotive Concierge — Human in the Loop
FMYCAR is built for everyday drivers who want a smart, calm way to handle cars and money. We orchestrate buy, sell, trade, lease, and refinance decisions with a human-in-the-loop operating model, AI-assisted workflows, and advice-only guidance that is not paid by dealers or banks.
- Advice-only
- Human + AI together
- Built for consumers
- No showroom pressure
How we help consumers
The goal is simple: fewer regrets and better outcomes on any decision that touches your vehicle and your wallet. Instead of pushing you toward a single car on a single lot, we help you see the full board.
- 1:1 concierge support: We listen to where you are now, what you own, and what you’re trying to solve — not just “what are you looking for today?”.
- AI-assisted scanning: We use software to surface real, in-stock options, payoff scenarios, and trade paths that match your situation.
- Apples-to-apples math: We translate quotes, APRs, and fees into plain language so you can compare choices without guessing.
- Trade-in & equity strategy: We map the reality of your current vehicle — value, equity, or negative equity — and show you the honest options.
- Paperwork & delivery coordination: When appropriate, we help you prepare for the visit so the in-store time is shorter and more focused.
- Ongoing support: Life changes, jobs change, families grow. You can come back to FMYCAR to revisit your plan as things shift.
FMYCAR does not replace your lender, dealer, or legal counsel. We focus on clarity, options, and strategy so you can walk into any showroom with a plan.
How FMYCAR works behind the scenes
Under the hood, FMYCAR blends playbooks from retail automotive, consumer finance, and modern software. The result is a system that feels personal, but is powered by real structure.
- Structured intake: We start with targeted questions around budget, credit posture, usage, timing, and non-negotiables.
- Scenario modeling: We simulate “keep,” “sell,” “trade,” and “refinance” paths so you can see how each move impacts your cash and payment.
- Human review: An FMYCAR specialist reviews outputs, applies real-world judgment, and trims noise before anything is shared with you.
- Clear recommendation: You receive a short, direct recommendation and a path to act — including questions to ask before you sign anything.
Why FMYCAR exists
Most people only make big car decisions a handful of times in their life. Dealers and lenders make these decisions every single day. FMYCAR exists to rebalance that gap — giving you structure, language, and options so you never have to improvise in a finance office again.
Whether you’re trying to recover from a tough past deal, navigate a first purchase, or protect yourself on a major upgrade, FMYCAR’s role is straightforward: we sit on your side of the table.