DGF@

Don't get f@cked at the dealership.

See the real out-the-door payment on the car you want before you walk in. Your state's tax and fees, every rebate the maker is offering, and the best bank rates, side by side.

Find my real payment Check my refinance

Free to use. Updated every month.

Real math: $514/mo for 60 months at 3.9%. $11,034 less in total.

Example only, before tax and fees. Same car, same trade, same down payment.

How a "good payment" costs you thousands

Dealers negotiate the monthly payment because it's the easiest number to hide things in. These are the moves that show up most, and what the tool shows you instead.

  • Stretching the loan

    A longer term lowers the payment and raises what you pay overall.

    You see the total cost for every term, side by side.

  • Marking up the rate

    The rate you're offered can be higher than the rate the lender actually approved.

    You see the maker's special rates and the best bank and credit union rates for your term.

  • Keeping rebates quiet

    Cash back, college, military and loyalty rebates only help if you know to ask.

    Every current offer for that model is listed with its end date.

  • Packing in add-ons

    Protection packages and extras get folded into the payment so they barely move it.

    Your payment is built from the car's price, your state's tax and fees, and nothing else.

  • Rebate or low rate, not both

    Many makers make you choose. The better pick depends on your numbers.

    The tool runs both ways and shows which one saves more.

  • Upside-down trades

    Money you still owe on your trade gets quietly added to the new loan.

    Enter your payoff and see exactly how much carries over.

Know your number in about two minutes

  1. Enter your ZIP

    It sets your state's sales tax, title, registration and doc fees.

  2. Pick the car

    Make, model, trim and color. Add your trade, payoff and cash down if you have them.

  3. See the real payment

    Maker deals and bank rates side by side. Compare up to three cars at once.

Find my real payment

Already have a car loan? The refinance check shows what you'd pay at today's credit union rates.

The dealership is just the first stop

DGF@ is building plain-numbers tools for the places that count on you not checking the math. The DGF@ app runs on the same numbers as this site.

  • The dealership

    New car payments, maker incentives, bank rates and refinancing.

    Open now
  • The repair shop

    What a fair quote looks like for your car.

    Coming
  • The real estate office

    Commissions, closing costs and what's negotiable.

    Coming