Have someone on your side before you sign anything.
FMYCAR is an advice-only service. We help you read the deal, understand the trade-in and finance math, and decide what actually serves you—at any dealership.
●
Your FMYCAR Advisor
Marcus King – Calm, Neutral Support
He walks you through the plan and paperwork so you stay in control of every decision.
What are you focused on right now?
Choose the scenario that matches your situation. We’ll show you how we plug in: what to read, what to book, and which plan fits.
One page, three ways to use us
Knowledge Hub · Deal Review · Full Advisory
Start with the level of guidance that matches your decision.
We do not sell vehicles, negotiate on your behalf, or handle deposits.
You always buy directly from the dealership or lender.
How FMYCAR fits into your car decision
We plug in where you need clarity most: before you visit, while you’re working a deal, and when you want the bigger “how this all works” picture.
Step 1
Choose your level of guidance
Decide if you just want the playbook (Knowledge Hub), a professional second set of eyes on a real quote, or full advisory support on one vehicle.
Step 2
Bring real numbers, not hypotheticals
We work from your real offers, trade numbers, and finance options—so the call is about your exact situation, not generic advice.
Step 3
Leave with a clear plan
You walk away knowing what’s fair, what to push back on, and what to say “no” to—before you sign anything.
Three levels of guidance
Start with self-paced learning in the Knowledge Hub, add a professional Deal Review when you’re working a real offer, or book a Full Advisory Plan on one vehicle.
Self-paced learning
Knowledge Hub Membership
For drivers who want the playbook: checklists, scripts, examples, and tools that decode the buying, selling, trade, lease, and finance process.
$49.00 / month
Cancel anytime. Best for people who like to learn the system before talking numbers.
- • Articles, checklists, and scripts built by former dealership insiders
- • Topics across buying, selling, trading in, leasing, financing, and EVs
- • Great “pre-work” before a Deal Review or Full Advisory session
One-time second opinion
Professional Deal Review
A 45-minute call where we walk your quote or buyer’s order line-by-line—trade, taxes, fees, products, and payment.
$249.00 / session
Bring photos or PDFs of the actual worksheet or buyer’s order you’re being asked to sign.
- • We translate the contract into normal language
- • Focus on out-the-door and total cost, not just monthly payment
- • Identify what’s fair, what’s optional, and what to question
Start-to-finish support
Full Advisory Plan
One vehicle, from research to final signature. We help you narrow choices, review quotes, and plan how to handle the visit and paperwork.
$499.00 / vehicle
Best for big decisions (new to you, first EV, major payment change, or complex trade-in and financing).
- • Discovery call to map your goals and budget
- • Support as you gather quotes and trade numbers
- • Deal Review before you sign, plus a clear “yes / no / not yet” plan
FMYCAR Knowledge Hub Expert • Advice-Only
Learn how the car world really works — before you sign anything.
This is where we talk to you the way we talk to family: straight about trade-ins, payments, APR, warranties, EVs, credit, and your rights when something doesn’t feel right at the dealership.
You’ll see the topics and our point of view here. The deep, step-by-step playbooks live inside your FMYCAR sessions and Knowledge Hub membership—where we apply this knowledge to your exact situation.
Trade-in & value — understand the number they offer you
When a dealer “appraises” your car, there’s a real math behind that number. These guides show you how we look at trade offers before you accept or push back.
Trade • Expert Guide
Mei Chen · Trade & Equity
6 things that determine your trade-in value
Mileage, condition, book values, market demand, reconditioning cost, and time-to-sell — the six levers behind every trade number you’re shown.
Trade • Depreciation
Mei Chen · Trade & Equity
Things that quietly destroy your car’s value
Accidents, warning lights, aftermarket mods, missing keys, and more — we show you what quietly crushes offers and how to fix what matters.
Trade • Repair Strategy
Mei Chen · Trade & Equity
Should you fix your car before trading?
When a $400 repair unlocks $1,000 in value — and when you’re better off trading “as-is” and letting the dealer handle it.
Buying & ownership — choose the right car, on your terms
Most people react to the dealership’s process. These guides flip that: you set the plan, then the visit just follows your checklist.
Buy • Strategy
Marcus King · Buying Strategy
Reasons to get a used vehicle
How depreciation, warranty, and monthly payment line up when you buy pre-owned instead of brand new.
Buy • Comfort
Marcus King · Buying Strategy
Stress-free car buying tips
Ways to control the pace, shut down pressure, and keep the entire visit focused on your needs instead of the store’s quota.
Buy • Inspection
Marcus King · Buying Strategy
Used car pre-purchase checklist
The exact sequence we use to walk a used car: body, interior, test drive, paperwork, and history in under 30 minutes.
Finance & insurance — read the money, not just the payment
We translate finance office language into normal language: APR, term, GAP, products, and how one decision can change the next five years of your money.
Finance • Foundations
Ethan Brooks · Finance & Protection
How car financing actually works
Principal, interest, term, buy rate vs. sell rate — where the payment comes from and where the profit hides.
Finance • Protection
Ethan Brooks · Finance & Protection
The truth about GAP insurance
When GAP is essential, when it’s optional, and how to avoid paying three times what the coverage is worth.
Finance • APR Reality
Ethan Brooks · Finance & Protection
What’s a good APR in 2025?
How banks and dealers price risk, what’s reasonable for your score, and when it’s worth pushing back or shopping around.
Referrals — turning your network into savings
The car business runs on relationships. Learn how to leverage them for better deals and even get paid for sending friends.
Referral • Economics
Sofia Ramirez · Referrals & Relationships
The “bird dog” referral fee
Most dealers will pay you $100–$300 for a referral. Here is how to set that up before your friend walks in the door.
Referral • Strategy
Sofia Ramirez · Referrals & Relationships
Family & friends pricing, explained
Why a referral customer often gets a better price with less negotiation than a “fresh up” walking in from the street.
Referral • Long Term
Sofia Ramirez · Referrals & Relationships
Building your dealer network for life
How to find one good salesperson and use them as your personal fleet manager for years, not one transaction.
Selling your car — maximum cash, minimum headache
You don’t have to trade it in. We compare instant cash offers against the private market so you can decide what your time is worth.
Sell • Options
Nguyen Tran · Sell Options
Instant cash offers vs. dealer trade
We test CarMax, Carvana, and local dealers—who tends to pay more for what kind of car.
Sell • Private Party
Nguyen Tran · Sell Options
Selling it yourself safely
How to screen test drives, handle payment, and ensure the title transfer releases you from liability immediately.
Sell • Preparation
Nguyen Tran · Sell Options
Preparing for the sale
Detailing, photos, and service records—the 3-hour investment that can add $1,500+ to your final sale price.
Calculators & tools — run the numbers yourself
Don’t rely on the dealer’s “four square” sheet. Use these tools to understand your true costs before you arrive.
Tools • Calculator
Raj Patel · Tools & Planning
True cost of ownership calculator
Fuel, insurance, tires, and depreciation—see what that “affordable payment” really costs you per month.
Tools • Analysis
Raj Patel · Tools & Planning
Negative equity calculator
Rolling over debt? See exactly how much extra interest you’ll pay by burying your old loan in a new one.
Tools • Comparison
Raj Patel · Tools & Planning
Lease vs. buy analyzer
Input your driving habits and credit tier to get a recommendation on which structure fits your life better.
Electric vehicles — the new rules of ownership
Range, charging, tax credits, and battery health. The EV market moves fast; here is what you need to know today.
EV • Battery
Raj Patel · EV & Range
Understanding battery health
How to read state-of-health reports and what degradation actually means for your daily drive.
EV • Lifestyle
Raj Patel · EV & Range
Home charging vs. public networks
The real costs of installing a Level 2 charger at home versus the time and cost of relying on public networks.
EV • Incentives
Raj Patel · EV & Range
Navigating EV tax credits
Federal credits, state rebates, and point-of-sale transfers—how to ensure you actually qualify for the discount.
Legal & protections — know your rights
Lemon laws, contract cooling-off periods (or lack thereof), and what to do if a dealer misrepresented a vehicle.
Legal • Contracts
Ethan Brooks · Contracts & Compliance
Can I return the car?
The myth of the “3-day return policy” and what legally binds you once you drive off the lot.
Legal • Scams
Ethan Brooks · Contracts & Compliance
“Spot delivery” & yo-yo financing
What to do when the dealer calls you a week later saying “financing fell through” and you need to sign a new contract.
Legal • Documentation
Ethan Brooks · Contracts & Compliance
The “We Owe” document
If they promised to fix a scratch or add tint, it doesn’t exist unless it’s on this specific form. Here’s how to fill it out.
Frequently asked questions
Short answers to the questions drivers ask us before they book.
Are you a dealer or broker? ›
No. FMYCAR is an advice-only service. We do not sell vehicles, negotiate on your behalf, or handle deposits. You always buy directly from the dealer or lender; we help you understand the numbers and trade-offs.
Can you guarantee I’ll get a better deal? ›
No one can guarantee a specific price. What we can do is show you exactly how the deal is built, what’s fair for your situation, and how to say “yes” or “no” with confidence.
Do you work with any specific brands or stores? ›
Our loyalty is to the driver, not the store. We can help you think through options at any franchised or independent dealership, using your real offers and paperwork.