Dealers win by moving the conversation from price to monthly payment. Once you're talking payment, four levers — price, term, rate, and add-ons — can shift without you noticing. Cardazo reverses the math so you can see every move and keep the deal honest.
1
Enter what they quote
During the negotiation, type in the numbers the dealer gives you — price, down, monthly payment, term, rate. You don't need the contract; you won't see it until after you sign anyway.
2
See what the payment hides
Cardazo solves for the missing piece. If the payment behaves like a higher rate than the one they stated, or money is buried that the agreed price doesn't explain, you see it in plain dollars.
3
Track every round
Each time they come back from 'the manager' with new numbers, save the round. Cardazo compares them so a lower payment can't disguise a longer term or a higher price.
4
Strip the add-ons
Pull the extended warranty and GAP out of the deal to find the real price of the car — and what each add-on actually costs once it's financed at the loan rate.
5
Shop your rate and check the tax
Compare the dealer's APR to what your credit could get from a bank or credit union, and confirm the sales tax matches your registration ZIP — not a higher rate slipped onto the worksheet.
6
Review after you sign
The contract is e-signed and emailed, so you only review it after the fact. Cardazo flags what's still changeable — refinancing the rate, or canceling the warranty or GAP for a prorated refund.
Whose side Cardazo is on
Cardazo makes money when lenders and certified dealers compete for your business — never from the dealership's markup. Sponsored rate offers are clearly labeled, and they only appear because beating the dealer's rate is the whole point. Cardazo is an educational tool, not financial or legal advice; the final call is always yours.
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An educational tool to help you understand a car deal before you sign. Not financial or legal advice.