Before you trade your vehicle, make a $249 equity plan with FMYCAR.

Good; that is the deal we want to see. Most of the money in a car deal is not in the price, it is in the structure: the trade allowance, the rate, the term, the fees and the products that show up after the handshake. A great price with a marked-up rate is still an expensive deal. We confirm the whole contract matches what you agreed to. Typical case: $1,500 negotiated off sticker, then $900 of add-ons and a two-point rate markup in the contract. The price was great; the deal was not finished.

You should, and bring it. Those tools price the car. They do not read your buyer’s order: the doc fee against your state’s norm, trade allowance versus actual cash value, buy rate versus the rate you were offered, or how the term and the products moved the payment. We read the paper, not the market. Example: KBB said the price was fair. The contract carried a $3,000 negative-equity rollover nobody had mentioned out loud.

That is exactly when it is worth it. Upload photos of the worksheet from the dealership; we turn reviews around within one business day and usually much faster during business hours. A fair deal does not expire when you leave to think it over, and most stores will hold the numbers 24 hours if you ask. Say: “I’ll take the numbers home tonight and sign tomorrow if they hold.” A good store says yes.

Then we tell you to sign, in writing, and that is a good outcome. You walk into the finance office knowing the deal is clean instead of hoping it is. The fee pays for the verdict, not for finding problems. Typical finds are $800–$3,000; typical, not guaranteed, because some deals are simply clean. A clean verdict reads: “Sign it. Decline the add-ons as presented; everything else is fair.” Clients tell us that one line was worth the fee.

It is a real fee, so weigh it against what it covers: prep for one vehicle, the quotes you gather, a line-by-line comparison, and a Deal Review before you sign, on a $25,000–$60,000 purchase. You talk to the store. We don’t contact the dealer or negotiate for you. If all you need is the paper read, the $249 Deal Review is the right buy and we will tell you so on the discovery call. If we can’t help, we say so on that call and refund you. On a $40,000 car, $499 is about 1.2% of the purchase. A two-point rate markup over 72 months costs roughly $2,800.

No. No referral fee, no spiff, no share of the finance office. Dealers on cars.fmycar.com publish their inventory through software our founder built; they pay for that software, not for shoppers, and we never steer you to a store because of it. The fee you pay up front is our only revenue from your deal. You can buy from any dealership in the country and our advice does not change.

Then you don’t buy. Sometimes the honest answer is keep the car, wait a model year, or fix the credit first, and we have told clients exactly that. The discovery call tells us whether we can help; if we can’t, we say so and refund you. If you finish the process and decide to wait, you keep the research, the numbers and the plan for when you are ready. Example: a client’s trade was $4,000 upside down. The recommendation was to keep paying it down for eight months, not roll it into a new loan.

Sometimes the number itself improves. Other times the win is structuring the deal differently, choosing a better offer, or deciding to wait. The goal is to avoid moves that hurt your equity long-term.

You can still benefit if you haven’t signed anything. We’ll help you pause, look at the full picture, and decide whether the deal in front of you matches your goals.

That’s your choice. Some people mention it because it signals someone is reviewing the math; others keep it quiet. Either way, the decision stays yours.

No. FMYCAR does not provide legal appraisals or guaranteed offers. We focus on education, planning and strategy so you recognize a fair outcome when you see it.

Right after you pick your time, by secure card checkout (Stripe). It covers your advisor’s time, the prep work on your vehicle and situation, and the follow-up materials summarizing your plan.

If you need to reschedule, your advisor will work with you on a new time. Standard FMYCAR cancellation terms are shared in your confirmation.