Car buying
The dealer makes their real profit in the finance office, not on the car.
Here is what they want you to sign — and what you should hand back.
Vehicle and financing details
Fill out what you know. Leave blanks if negotiating — you can update this as you go.
Add-ons the F&I office is pushing
Check the ones they mentioned or included in your quote. Enter their asking price if known.
Not financial advice. APR estimates are averages — your actual credit-union rate will vary. State doc-fee caps change; verify with your state's DMV or AG office.
Your F&I defense kit
Print this page or save the text below. Walk into the finance office with pre-decided answers.
Defense one-pager
Your quick reference sheet. Edit before printing.
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Not legal or financial advice. Dealer practices vary. This tool provides general information about common F&I office tactics and consumer protection laws.