Auto Loan Hidden-Fee Detector
Compare the quoted monthly payment to the math for the advertised APR.
Expected monthly
$493.85
Quoted − Expected
$1.15
Embedded extra %
0.28%
Verdict
Payment diverges from the quoted APR — ask for an itemized breakdown.
About this tool
Plug in the loan principal, APR, term, and the quoted payment. Get the expected payment, the delta, and the implied extra %. r/askcarsales: 'Dealers keep the APR the same but secretly raise the monthly payment — how is this legal?'
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