BEFOREYOUSIGN
Back
Example report using demo data. Your report reflects your actual quote.

Deal report

2024 Toyota RAV4 Hybrid XLE

Registered in TX · Analysis based on numbers you entered.

37
/ 100

Deal score

High-Risk Structure

Out-the-door price

$44,394

Amount financed

$43,394

Est. monthly

$695.97

Total interest

$15,067

Why the score

  • APR of 8.9% is above typical prime rates.
  • 84-month term extends risk of being upside-down.
  • Optional add-ons of $3,095 are almost always negotiable or removable.
  • Dealer fees of $1,494 are well above typical documentation charges.
  • Trade-in has $1,500 of negative equity rolled into the loan.
  • Amount financed exceeds selling price by more than 15%.

Financing analysis

60-month term

$898.68 /mo

Total interest $10,527

72-month term

$780.05 /mo

Total interest $12,769

84-month term

$695.97 /mo

Total interest $15,067

Your term

Fee & add-on breakdown

  • Selling price

    Dealer

    $36,500

  • Documentation fee

    DealerAbove typical range

    $899

  • Reconditioning fee

    DealerOften negotiable

    $495

  • Electronic filing fee

    Dealer

    $100

  • Nitrogen tire fill

    OptionalPurely optional

    $195

  • Paint & fabric protection

    OptionalOptional add-on

    $1,200

  • Extended service contract

    OptionalOptional add-on

    $1,700

  • State sales tax

    Government

    $2,920

  • Registration & title

    Government

    $385

Warnings

High APR

8.9% APR is significantly above prime rates for well-qualified buyers.

Long loan term

84-month loans risk being upside-down and add substantial interest.

Optional add-ons rolled in

Nitrogen, paint protection, and extended warranties are typically negotiable or removable.

Negative trade equity

$1,500 of your old loan is being rolled into this one.

Your action plan

Target out-the-door price

$

Suggested based on removing optional add-ons and trimming excess dealer fees.

Ask the dealership

  1. What is the full out-the-door price with no add-ons?
  2. Is the doc fee your standard charge for every buyer?
  3. What is the APR if I bring my own financing?
  4. Which fees are required by the state vs. by the dealer?
  5. Can you email the full itemized buyer's order?

Walk-away conditions

  • Dealer refuses to remove non-mandatory add-ons.
  • APR increases after credit approval without explanation.
  • Numbers change between the offer and the final paperwork.

Text message to dealer

Hi, I'm interested in the 2024 Toyota RAV4 Hybrid XLE, but I'm making my decision based on the complete out-the-door price rather than only the monthly payment. Please send an itemized buyer's order showing the selling price, every dealer fee, taxes, registration, optional products, APR, loan term, and amount financed. I'd be prepared to move forward at an out-the-door price of $40,305, with no additional mandatory products or undisclosed charges.

Email to dealer

Subject: Requesting itemized buyer's order — 2024 Toyota RAV4 Hybrid XLE Hi, I'm interested in the 2024 Toyota RAV4 Hybrid XLE, but I'm making my decision based on the complete out-the-door price rather than only the monthly payment. Please send an itemized buyer's order showing the selling price, every dealer fee, taxes, registration, optional products, APR, loan term, and amount financed. I'd be prepared to move forward at an out-the-door price of $40,305, with no additional mandatory products or undisclosed charges. Thanks, [Your name]

Educational analysis only. Before You Sign is not a lender, dealership, or financial adviser. Results are not guarantees.