BEFORE YOU SIGN ANYTHING...

IS YOUR CAR DEAL ACTUALLY A GOOD DEAL?

Upload your dealer worksheet. PencilVerdict checks the price, APR, fees, add-ons, trade and payment — then shows you what deserves another look before you sign.

✓Spot costly fees and dealer add-ons.
✓Check APR, selling price, lease terms and trade equity.
✓Get a clear verdict and specific points to negotiate.
ANALYZE MY DEAL — $17 →I already have a license
$17 one-time. No subscription · Up to 30 deal scans · Finance + Lease.
Your car may cost tens of thousands of dollars. Checking the deal costs $17.
EXAMPLE PENCILVERDICT ANALYSIS
61
/100
⚠ REVIEW THIS DEAL
Dealer Price$48,995
Questionable Fees / Add-ons$1,895
APR8.49%
Selling PriceLOOKS REASONABLE
Potential Negotiation Opportunity$2,400

YOUR NEGOTIATION PLAN

1Ask for an itemized breakdown of the protection package.
2Challenge dealer add-ons you do not want.
3Compare the APR with outside financing.
$17one-time payment
30deal scans per license
Finance + Leaseboth deal types
Instantaccess after checkout
WHY PENCILVERDICT EXISTS

The dealer knows the numbers. Now you do too.

Do not let the whole transaction disappear into one monthly payment.

Selling PriceAPRMoney FactorResidualDealer FeesAdd-onsTrade EquityRebates
FROM WORKSHEET TO VERDICT

Turn a page full of dealer numbers into clear next steps.

This is an example analysis, not a customer claim.

Dealer worksheet

MSRP$51,420
Selling price$48,995
Protection package$1,295
Dealer fee$600
APR8.49%
Term72 months
Trade payoff$18,800
→

PencilVerdict result

61/100 · REVIEW
Questionable add-ons$1,895 ⚠
APR8.49% ⚠
Selling priceGOOD ✓
Trade positionREVIEWED ✓
Potential negotiation opportunity$2,400
DON'T JUST FIND THE PROBLEM

Know what to say at the dealership.

PencilVerdict turns flagged areas into specific questions and negotiation points you can use before you sign.

EXAMPLE NEGOTIATION LANGUAGE
3 ITEMS FLAGGED
“Before we discuss the monthly payment, I want the deal broken down line by line. Please remove the $1,295 protection package and give me a revised buyer’s order showing the selling price, every fee and add-on, my trade value and payoff, and the total amount financed separately. Then quote me your best available APR at the same term. Don’t extend the loan, change my down payment, or move numbers around just to lower the payment. Once those figures are clean, we can talk about the final monthly payment.”
Example only. Your actual negotiation plan is based on the deal information you upload or enter.
UPLOAD → ANALYZE → NEGOTIATE

Three steps before you sign.

1

Upload the deal

Use a dealer worksheet, screenshot, image or PDF, or enter the numbers manually.

2

See the verdict

Review the score, flagged fees, financing or lease terms, trade position and payment structure.

3

Use the plan

Take the specific flagged items and negotiation points back to the dealer before you sign.

WHAT PENCILVERDICT CHECKS

The pieces that can change what the deal really costs.

$
Selling price vs. MSRPSee discount or markup separately from payment.
%
APR, term or money factorReview finance and lease structure.
+
Dealer fees and add-onsKeep optional products and charges visible.
↔
Trade value and payoffSee positive or negative equity clearly.
✓
Rebates and incentivesSeparate incentives from dealer discount.
→
Negotiation opportunitiesGet clear questions and next steps.
CHECK BEFORE YOU SIGN

$17 to review a deal worth tens of thousands.

One license gives you up to 30 deal scans so you can review revisions and check the numbers again if the dealer changes the worksheet.

$17
one-time access · no subscriptionANALYZE MY DEAL — $17 →
FAQ

Before you buy.

What do I get for $17?

One PencilVerdict license key with access to the car deal analyzer and up to 30 deal scans. The analyzer supports finance and lease deal structures.

How do I use it after purchase?

Your license key is provided after checkout. Open PencilVerdict, enter the license key and the analyzer will unlock on that device.

Can I scan a dealer worksheet?

Yes. PencilVerdict supports a dealer worksheet, screenshot or PDF upload, and you can also enter the deal manually.

Does PencilVerdict guarantee savings?

No. PencilVerdict is an educational analysis tool. It helps you understand the structure of the deal and identify areas worth reviewing or negotiating, but it cannot guarantee a dealer will change a price, fee or rate.

Is this legal or financial advice?

No. PencilVerdict provides general educational analysis. Review your actual contract and disclosures, and seek qualified advice when appropriate.

I already bought it. Where do I go?

Open the PencilVerdict analyzer here and enter your license key.

ANALYZE MY DEAL — $17 →