What a Deal Check shows you

Difference: $18,344 over the loan, about $218 a month.

Check these first

1. Check this$3,500 of your old loan is rolled into this oneYou owe $11,500 on your trade-in, which is worth $8,000. The difference is added to the new loan, costing about $4,804 with interest.
2. Check thisThe payment is higher than these numbers explainThe numbers entered add up to about $936 a month, but the quoted payment is $963. That $27 a month difference could hide about $1,634 in charges not shown here, or a higher rate than the one entered.
3. Check thisA $1,500 market adjustment is addedA market adjustment is a dealer markup on top of the vehicle’s price. It’s set by the dealer, not the manufacturer.
4. Worth a lookYour rate is 3.34 points above the average for your creditThe average new-vehicle rate for prime (661–780) credit was 6.15% (Experian, State of the Automotive Finance Market, Q2 2026). At that rate, this loan would cost about $7,982 less.
5. Worth a look4 add-ons add $6,978 over the loanAdd-ons are products the dealer sells on top of the vehicle. Financed, they cost $5,084 plus $1,894 in interest, about $83 a month. Decide whether each one is worth that to you.
6. Worth a lookAn 84-month loan costs more in interestAt 60 months the payment would be $1,203 a month, and you would pay about $6,455 less interest.
7. Worth a lookYou’ll owe more than the vehicle’s price from day oneThe loan is 125% of the vehicle’s price. If the vehicle is totaled or sold early, the loan could be more than it’s worth.
8. Good to knowDealer prep fee on a new vehicleAsk whether preparing the vehicle is already covered by the destination charge on the sticker.
9. Good to knowDocumentation fee: $150Some states cap documentation fees. Ask what this one covers.

The deal, line by line

Add-ons: what they really cost

Some add-ons have real value to some buyers. The question is whether each one is worth its full cost to you, and whether you can get it cheaper somewhere else.

Your rate

Your rate: 9.49%. Average for prime (661–780) credit on a new vehicle: 6.15%. At the average rate, this loan would be about $95 a month and $7,982 less in total.

On this loan, each 1 point of interest rate costs about $2,487.

Averages: Experian, State of the Automotive Finance Market, Q2 2026. Your actual rate depends on your credit, the lender, and the loan.

Loan length

Same amount financed and rate. A longer loan lowers the payment but adds interest, and you stay owing more than the vehicle is worth for longer.

Questions to ask the dealer

1. Can I see an itemized buyer’s order showing every charge included in this payment?
2. Is the extended warranty / service contract optional? What does it cover, and what does it cost if I pay for it separately instead of financing it?
3. Is GAP coverage optional? What does my auto insurer charge for gap coverage?
4. Is the paint, fabric or appearance protection optional? What does it cover, and what does it cost if I pay for it separately instead of financing it?
5. Is the theft protection / vin etching optional? What does it cover, and what does it cost if I pay for it separately instead of financing it?
6. Will you sell the vehicle without the market adjustment?
7. What rate did the lender approve me for, and is any amount added to it?
8. How much of my old loan is being added to this one, and what’s the payment without it?
9. What are the payment and total cost at 60 months?
10. Isn’t vehicle preparation already included in the destination charge?
11. What does the documentation fee cover?
12. What is the total out-the-door price, in writing?

DimeSeed provides educational financial modeling. This report is an estimate based on the numbers entered, not a guaranteed outcome or personalized financial advice. It doesn’t recommend specific lenders, dealers, insurers, or products. Confirm everything on your paperwork before you sign.