Consumer Insider · $49/mo · opening soon
The deep end of the car-buying library.
Worksheets, scripts, printables and the money math behind the numbers on a dealer’s worksheet. 68 premium guides, plus everything that stays free. Insider is not open yet. Nothing can be bought on this page, and nothing will be charged until you choose an edition and authorize the price.

What it covers
Buying your first car
Budget, used vs new, the dealership visit and the finance office.
Auto financing
How approval works, what lenders look at, interest rates and pre-approval.
Bad credit and low down payments
What actually changes your options, and the deals to avoid. No guaranteed approvals.
Negotiation
Price, trade and financing as separate conversations, with the words to use.
Dealership fees and add-ons
Which lines are government fees, which are dealer fees, and which you can decline.
Trade-ins and leasing
Equity, payoffs, money factors, residuals and lease-end.
Warranties and protection
Service contracts, GAP and maintenance plans, priced and explained.
Checklists, worksheets and calculators
Printables and the math behind the numbers on the worksheet.
The library, by topic
Every title below already has a free preview on the Knowledge Hub. “Insider” marks the guides whose full text becomes Consumer Insider.
Buying & ownership · 10 free, 20 Insider
- Stress-free car buying: control the pace Free
- Is it actually time to buy a car? Free
- First car: what you can actually afford Free
- Certified pre-owned: is the premium worth it? Free
- How to read a CARFAX: what matters, what is noise Free
- How to research a car and narrow to 2–3 before you visit Free
- Buying used from a dealer: Buyers Guide, ‘as is’ and fair price Free
- When to buy a car: what really helps and what’s myth Free
- Salvage, rebuilt, flood and lemon titles: risks and how to spot them Free
- Odometer fraud and digital rollbacks: how to catch a faked mileage Free
- The 30-minute used-car walkaround Insider · free preview
- Your first dealership visit, step by step Insider · free preview
- New vs. used: the first-year depreciation math Insider · free preview
- The test drive that actually tells you something Insider · free preview
- Negotiate by email: get out-the-door quotes from 4+ dealers Insider · free preview
- Invoice, holdback and dealer cash: what the dealer really paid Insider · free preview
- Cash rebate or 0% APR? Run the math before you pick Insider · free preview
- Market adjustments and forced add-ons: how to avoid or cut them Insider · free preview
- Buying from a private seller: title, liens, payment and safety Insider · free preview
- Buying a car out of state: taxes, tags, shipping and remote deals Insider · free preview
- Buying a car for Uber, Lyft or delivery: run the cost-per-mile math Insider · free preview
- The pre-purchase inspection: how to book one and use it to negotiate Insider · free preview
- Vehicle history beyond Carfax: AutoCheck, NMVTIS, NICB and records Insider · free preview
- The dealership visit checklist: before you go, on the lot, at the desk Insider · free preview
- The test-drive scorecard: a printable checklist for any car Insider · free preview
- Used-car inspection checklist: paperwork, walkaround and mechanic Insider · free preview
- Documents to bring when you buy a car: the complete checklist Insider · free preview
- Copy-and-paste email templates to get out-the-door quotes Insider · free preview
- Delivery-day checklist: inspect before you drive it home Insider · free preview
- Walk-away scripts: what to say to 10 common pressure tactics Insider · free preview
Finance & insurance · 7 free, 11 Insider
- How car financing actually works Free
- The truth about GAP coverage Free
- What’s a good APR right now? Free
- Credit score tiers: how lenders price your car loan Free
- Pre-qualified vs. pre-approved: how to get your loan lined up first Free
- Credit inquiries and rate shopping: shop loans without the damage Free
- Simple-interest car loans: payments, payoffs and paying extra Free
- Co-signers and first-time buyer programs: how they work and the risks Insider · free preview
- Refinancing a car loan: when it makes sense Insider · free preview
- 72 vs. 84 months: the long-term car loan math Insider · free preview
- Buy rate vs. contract rate: dealer rate markup and how to beat it Insider · free preview
- How much down payment you really need (and when 20% is overkill) Insider · free preview
- Buy-here-pay-here and subprime loans: real costs, better options Insider · free preview
- The total cost of a car loan: a worksheet to compare offers Insider · free preview
- Get your car insurance right before you buy: quotes, coverage and GAP Insider · free preview
- Your real car budget: payment, insurance, fuel and upkeep, worked out Insider · free preview
- Inside the finance office: what happens, what to check, what to say Insider · free preview
- Finance office scripts: exactly what to say, word for word Insider · free preview
Leasing · 3 free, 9 Insider
- Leasing vs. buying: the real math Free
- Money factor explained: the lease rate dealers can quietly mark up Free
- Residual value: why some leases are cheap and others never will be Free
- How a lease payment is actually calculated, line by line Insider · free preview
- How to negotiate a car lease: price first, payment last Insider · free preview
- Lease fees decoded: what you’ll pay, and which ones you can cut Insider · free preview
- Lease mileage: pick the right allowance and avoid overage bills Insider · free preview
- Lease ending? Return it, buy it, or cash in the equity Insider · free preview
- Lease turn-in inspection: avoid surprise excess-wear charges Insider · free preview
- Getting out of a car lease early without getting burned Insider · free preview
- Used-car leases, one-pay leases and sign-and-drive deals, explained Insider · free preview
- Lease-return checklist: 90 days out to the day you hand in the keys Insider · free preview
Trade-in & value · 2 free, 5 Insider
- The 6 things that decide your trade-in value Free
- Things that quietly destroy your car’s value Free
- Should you fix your car before trading it? Insider · free preview
- How to negotiate a trade-in like a pro Insider · free preview
- Trade-in appraisal day: what to bring, what they check, how to show it Insider · free preview
- Trading in a leased car and capturing your lease equity Insider · free preview
- Trade-in prep checklist: the week before your appraisal Insider · free preview
Selling your car · 3 free, 6 Insider
- Instant cash offers vs. dealer trade vs. private sale Free
- Selling your car: title, lien release, bill of sale and liability Free
- Selling your car online without getting scammed Free
- Selling it yourself, safely Insider · free preview
- Preparing a car for sale: the three-hour investment Insider · free preview
- Trading in a car you still owe on Insider · free preview
- Pricing your car to sell privately: comps, your floor and when to drop Insider · free preview
- Selling a car you still owe on, to a private buyer or a dealer Insider · free preview
- Private sale checklist: from listing to handing over the keys Insider · free preview
Service & protection · 3 free, 11 Insider
- Extended warranties and VSCs, explained Free
- Recalls, TSBs and goodwill: how to get repairs paid for by the maker Free
- Maintenance schedules decoded: normal vs. severe and the upsells Free
- The ‘wallet flush’ services: what to skip at the service drive Insider · free preview
- Dealer service vs. independent shop: when it matters Insider · free preview
- Tire & wheel protection: what it covers and when it pays off Insider · free preview
- Paint protection, ceramic coatings and VIN etching: price vs. value Insider · free preview
- Prepaid maintenance plans: do the math before you prepay Insider · free preview
- Key, dent and windshield protection: the small F&I products, rated Insider · free preview
- How to cancel dealer add-ons after you buy (and get your refund) Insider · free preview
- Factory extended warranty vs. third-party VSC: how to tell them apart Insider · free preview
- Your factory warranty: what it covers and how claims get denied Insider · free preview
- Credit life, disability and payment protection: do you need them? Insider · free preview
- Your new car's first 30 days: the after-purchase checklist Insider · free preview
Your rights · 8 free, 0 Insider
- Can I return the car? Free
- Yo-yo financing: when the dealer says your loan fell through Free
- The ‘We Owe’ form: get dealer promises in writing Free
- Lemon law basics: how the process generally works Free
- The car contract, line by line: arbitration clauses and what you sign Free
- Dealer won’t fix it or keep a promise? The escalation ladder Free
- Temp tag expiring, no title yet? What to do when registration stalls Free
- Advertised price vs. what you’re charged: junk fees and bait-and-switch Free
Electric vehicles · 2 free, 4 Insider
- Understanding EV battery health before you buy used Free
- EV incentives in 2026: what ended, what’s left, how to verify Free
- EV vs. hybrid vs. gas: the 5-year total cost Insider · free preview
- Buying a used EV: battery, warranty, plug type and the real inspection Insider · free preview
- Home EV charging: Level 1 vs. Level 2, install costs and real savings Insider · free preview
- EV and hybrid ownership costs after the federal credits ended Insider · free preview
Family & first cars · 3 free, 2 Insider
- Buying a car for an aging parent Free
- The ‘taking the keys’ conversation, and what to do with the car Free
- Choosing a safe first car for a teen driver without overspending Free
- Senior-friendly car features: what actually matters Insider · free preview
- Adding a teen driver: insurance, the title question and your liability Insider · free preview
Price and terms
$49 per month for Consumer Insider, once Insider opens. Billed monthly and renews each month until you cancel. Each edition is its own subscription: cancel one and you keep the other. Cancel in your account at app.fmycar.com or by emailing Contact@Fmycar.com before the next renewal. Separate from FMYCAR listing plans for sellers and dealerships.
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Consumer Insider: questions
What does Consumer Insider include?
The full text of 68 premium Knowledge Hub guides: worksheets, scripts, printables and the deeper money math. The 41 free guides stay free for everyone.
Can I read anything before subscribing?
Yes. Every guide has a free preview (its opening and outline), and the free guides are free in full.
Does it help with bad credit or no-money-down financing?
It explains how lenders decide, what changes your options and which deals to be careful with. It does not arrange financing or guarantee approval or a zero-down offer.
Read next
Dealer Insider
The edition for independent dealerships.
FMYCAR Insider
Both editions and how billing works.
First-time car buyer guide
Free, start to finish.