The Dealership Worksheet is a very valuable
tool to have when it comes time to discuss the figures. It is
structured to be very clear and break down every cost you
will incure when purchasing the vehicle. We recommend
using this form after you have decided on which vehicle you
want. This worksheet is your way of not only understanding
what you are paying for the vehicle, but also to make sure
things don't change when you get into the finance office.
Keep in mind that The Auto Evaluator is a tool to help you
make an educated purchasing decision for yourself and
insist that this form be completed before you sign for the
car.


*Selling Price of vehicle:
Trade in Value:
$
$
A
B
$
Difference (A - B):
C
*Selling Price of vehicle:
Trade in Value:
$
$
A
B
$
Difference (A - B):
C
21,350
24,750
8,500
12,850
11,900
12,850
Some dealerships might adjust the figures prior to calling your loan into a lender. This is often to make the
deal more attractive to the lender. (Note: We do not condone any illegal actions nor do we recommend this method. Our
only goal here is to educate you of these practices.) This is typically done by inflating the sales price as well as your
trade value and or down payment. Your main concern is the bottom line, so don't be alarmed if they use this method. Be
sure, however, that the new figures don't change your 'Amount to Finance'. If you aren't sure, fill out an additional
worksheet with the new numbers
. Take a look at the example below for a demonstration of the technique.



Sales tax on a vehicle will vary depending on your state laws. Most states will give you sales tax credit on
your trade in vehicle
<except California, Hawaii, Maryland, and Michigan>. In the box for 'Fees and Other', be
sure to list each additional cost the sales consultant is charging you. Some dealerships charge doc fees, while
others do not. Look at the box below for an example of how to fill out the form. Note: Alaska, Delaware,
Montana, New Hampshire, and Oregon do not currently charge sales tax on vehicle purchases.



$
Payoff (Balance) of Trade:
D
If your trade vehicle still has a balance, then put that figure in the box labeled 'Payoff"
**Fees and Other Breakdown:
(Examples: spoiler, paint protection, doc fee,
title, bedliner, window tint, etc. )
Items
Costs
$
$
$
$
$
Total Fees & Additions:
Rear Spoiler
Sunroof
1,250
425
1,755
Doc.
80
Everything that appears above the red line can be filled out before you even fill out a credit
application. We do not suggest you take the time to fill out this form unless your decision to purchase has
been made. If you have any credit problems however, it might be best to either talk to your bank or credit
union to see if they will approve you for a loan. Keep in mind that a poor credit score might effect your
APR,
but should NOT effect the sales price of the car.



Once you have completed your credit application and have agreed on the sales price and fees
involved, make sure you fill out the bottom part of the worksheet before you enter the Finance Office. You
have the right to know exactly what your payments will be before hand as well as the APR and term of the
loan. This is to help protect you in the event the figures change. Please know that there are many
dealerships that are both honest and trustworthy, so don't assume the worst.



Once you get into the Finance Office, the Finance Manager might offer you various additions such as
extended warranties and gap. Anything you add to the loan WILL change your payment, so be sure you
understand what you are purchasing and how it will benefit you.


APR:_______%
Term:_______Months
Monthly Payment: $__________
Everything in this box should be filled before you enter the Finance Office.
Note that any extended warranties, gap, or other purchases made in the finance office will change payment.
60
6.9
425
Purchase or Lease
6,254
Everything above this line can be filled out BEFORE you fill out a credit application.
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