Don't let the F&I desk hide thousands in your lease payment. Here is how our engine audits money factors, residuals, and bank fees from a single photo.
Ever notice that the moment you ask for a lease quote, the vehicle's selling price completely disappears from the conversation?
The salesperson shifts entirely to: "What monthly payment are you looking to hit?"
It sounds customer-friendly. In reality, it’s the oldest magic trick in the showroom. When you only look at the monthly payment, a dealership can manipulate four different financial dials behind the scenes to pad their profit without making the monthly bill look unreasonable.
That’s why we built our dedicated Lease Deal Audit Engine.
Instead of forcing you to understand complex lease spreadsheets or retype fractional numbers into an online calculator, our engine scans your actual paperwork—dealer worksheets, proposal sheets, and Monroney window stickers—and performs a forensic line-item audit.
The 4 Red Flags Our Lease Engine Targets
The Money Factor Disguise: Dealerships quote rent charges as tiny decimals like
.00295. Most buyers shrug and move on. Our engine instantly converts that decimal to standard APR (.00295 × 2400 = 7.08% APR) and checks it against the manufacturer’s Tier 1 captive buy-rate. If the dealer marked up your rate, you’ll see the exact dollar cost of that spread.Residual Value Tampering: The residual value dictates how much depreciation you pay. Dealers cannot legally alter captive lender residual percentages, but they frequently calculate the percentage against the wrong baseline (like the discounted selling price instead of the factory Monroney MSRP). Our engine verifies the residual dollar figure down to the penny.
The Down Payment (Cap Cost Reduction) Trap: Putting $3,000 to $5,000 down on a lease to make the monthly payment look lower is a financial hazard. If the vehicle is totaled in a collision tomorrow, standard GAP insurance covers the finance company—not your cash deposit. Your down payment evaporates. We flag this immediately.
Junk Bank & Admin Fees: We cross-reference the bank acquisition fee against published lender standards so you aren't paying an inflated dealer fee disguised as a bank charge.
Zero Data Entry Required
You don’t have to do the math. You take a photo or upload a PDF of your lease worksheet and window sticker. The engine extracts the variables via automotive OCR, runs the math, and hands you an actionable counter-offer script addressed directly to the sales manager.
Got a dealer lease worksheet sitting on your desk or in your inbox right now? Run the numbers before you sign: