Ask for a specific revised deal.
Instead of waiting without knowing what changed, compare the payment without products, test a desired APR, and request an itemized buyer's order with exact numbers.
THE DEAL MAY BE FAIR. VERIFY IT BEFORE YOU SIGN.
Stop negotiating blind. See what you're really paying for.
Tired of hearing “Let me check with my manager,” then waiting 30 minutes? PencilProof turns the written quote into clear numbers so you can see the price, rate, fees, products, trade, and payment math before agreeing to anything.
No payment required to test your quote. Unlock the Full Quote Audit only after PencilProof shows what it found.
Free quote scan before checkoutNo commissions from dealersFor shoppers at the dealershipFor salespeople checking scenariosFounded by a dealership professionalPrivate numbers stay in your browser
SAMPLE FULL QUOTE AUDIT
2026 Toyota RAV4 XLE Premium
4areas worth reviewing
Dealer quote$740/mo
Calculated payment$703/mo
Products financed$4,189
3 products add about $74/monthA service contract, GAP, and appearance protection are included in the loan.
Quoted payment is $36.59/month higherQuote: $739.95. Entered figures: $703.36. Ask the dealer to explain the variance.
Dealer-ready response includedAsk for the exact amount financed, first-payment date, and an itemized buyer's order.
Example based on entered figures.See what's inside
PROVE IT WORKS BEFORE YOU PAY
Upload free. Check every imported number. Pay only if it looks right.
Your file stays in this browser. The free scan shows exactly what imported, what is missing, and which values need review before checkout becomes available.
- See the detected numbers before checkout
- Compare every value with the original quote
- Get a limited math and issue preview
- Do not pay if the import is not useful
FREE QUOTE CHECK
FREE PREVIEWDoes PencilProof read my quote?
Start with the written quote
Use a dealer-generated PDF or a bright, sharp photo with the full page visible.
PDF, JPG, JPEG, or PNG · up to 15 MBOCR can make mistakes. Do not pay unless the detected values match your quote or you are comfortable entering missing figures manually. PencilProof is an educational estimate, not a lender approval or dealer offer.
BUILT FROM INSIDE THE BUSINESS
Created by someone who has worked the deal from three different seats.
PencilProof was founded by an automotive professional who has worked as a salesperson, sales manager, and finance manager.
That experience exposed the same bottleneck from every side: customers wait while a change moves back and forth to the manager, and salespeople often cannot test a cleaner structure on their own. PencilProof turns the written figures into an understandable draft so both sides can discuss a specific deal structure sooner.
SalespersonSales managerFinance manager
Independent educational software. PencilProof is not a dealership, lender, broker, or approval system.STOP WAITING FOR THE MANAGER
See what the revised deal could look like before the salesperson comes back.
Change the down payment, term, desired APR, trade figures, or optional products yourself. PencilProof immediately shows how those entered changes affect the estimated payment and full-term cost.
PencilProof does not approve discounts, set lender rates, or replace the dealer's official worksheet. It helps you structure and understand the request you want the dealership to price.
Preview a cleaner structure for your customer.
If only management can desk and approve the deal, use the customer's written figures to explore scenarios and prepare a clearer request for the desk. Final figures still require dealership and lender approval.
01Payment rebuildCheck the dealer math
02Product impactSee with-and-without payments
03Desired APRSee the payment at your target rate
04Trade equityExpose rolled-in debt
TRANSPARENCY IS THE SOLUTION
You shouldn't need years inside a dealership to know whether your own deal adds up.
PencilProof is designed for the moment you have an actual dealer worksheet and do not want to be confused, pressured, or taken advantage of. It separates the vehicle, financing, trade, fees, and optional products, then shows what changed and what to ask next.
Unlock My Full Quote Audit · $39EXAMPLE FINDINGSWhat the Full Quote Audit reveals
01
Quoted payment versus calculated payment
+$36.59/moCompare the dealer's $739.95 quote with the $703.36 payment calculated from the entered figures.
02
Products plus estimated financing
$5,361See that $4,189 in entered products may cost roughly $5,361 when financed for the full term.
03
Amount financed rebuilt
$39,574See how the vehicle, tax, fees, products, and cash down produce the estimated loan balance.
THE FULL QUOTE AUDIT ALSO INCLUDES
- Plain-language product explanations
- Prioritized questions for the finance office
- A copy-ready request for a revised quote
- Printable action plan
UNDERSTAND THE FINANCE OFFICE
Know what each product does—and what it adds to the loan.
PencilProof does not automatically label every product good or bad. It shows the cost and gives you the questions needed to decide whether it fits your situation.
Vehicle service contract
May cover certain repairs after the factory warranty. The audit helps you question price, deductible, exclusions, term, and cancellation rules.
Guaranteed asset protection
May help with the difference between an insurance settlement and your loan balance after a covered total loss. Limits and exclusions matter.
Prepaid maintenance
Prepays listed maintenance services. It is not a repair warranty, so the audit separates convenience from actual included value.
Protection and accessories
Appearance products, theft products, accessories, and other packages can raise both the amount financed and the interest you pay.
SEE PROOF BEFORE CHECKOUT
Know PencilProof can read your deal before you pay.
Upload the quote free
Scan a dealer PDF or photo in your browser. No payment is required to see what PencilProof can detect.
Check every imported number
Compare the detected values with the original quote. Checkout stays locked until you confirm that you reviewed the import.
Unlock the complete solution
Pay once to see exact differences, compare scenarios, change products or terms, and create a specific request for a revised buyer's order.
ONE-TIME FULL QUOTE AUDIT
See that it works first. Then decide if the $39 Full Quote Audit is worth it.
The goal is not to scare you out of a product or a deal. It is to make the cost visible, explain the terms, and help you ask better questions before you sign.
Full Quote Audit$39
- Private PDF and photo autofill
- Required import confirmation before the audit
- Multi-option finance and lease menu detection
- Payment with and without products
- VSC, GAP, PPM, and add-on guidance
- APR and full-term cost comparison
- Trade-equity and payment-math checks
- Copy-ready dealer questions
- Print or save the finished audit