Dealer Finance Contract Review — Get Every Line Checked Before You Sign
Dealer Finance Contract Review — Get Every Line Checked Before You Sign | Integrity Carbuyer
Finance Office · The Most Dangerous Room in Any Dealership
Dealer Finance Contract Review — Get Every Line Checked Before You Sign
The finance office is where most buyers get hurt — through warranties they didn’t want, interest rates higher than quoted, payments that changed, and bank names you don’t recognize. Get it reviewed before you sign.
The Most Dangerous Things We Find in Finance Contracts
Most buyers negotiate the vehicle price carefully — then hand over complete trust to the finance office. That trust is where thousands of dollars can quietly disappear. These are the most serious issues we find in dealer finance contracts:
01
Warranties you never agreed to
Extended warranties, GAP insurance, tire and wheel protection, and appearance packages are bundled into the contract — sometimes without a word of discussion. They appear as a line item in the payment, which looks the same whether it includes them or not.
We identify every product and tell you exactly how to remove the ones you didn’t want.
02
Higher payment than you agreed to
The monthly payment in the contract doesn’t match what you were quoted in the showroom. Sometimes it’s a small difference — sometimes it’s a significant one. Either way, you’re signing a legal obligation to that number, not what was said verbally.
We verify your payment math down to the exact dollar.
03
Interest rate marked up above approval
The lender approved you at one rate. The dealer is legally permitted to mark up that rate and keep the difference as profit — called dealer reserve. This can add thousands of dollars to the total cost of your loan without you ever knowing it happened.
We compare your contract rate to what buyers with your profile should be paying.
04
The bank name changed
You were told you’d be financed through one lender. The contract in front of you shows a different bank entirely. This can mean different terms, different servicing standards, or conditions you weren’t prepared for. It’s a detail almost no one checks — and one that matters.
We verify the lender matches what you were told and flag any changes in terms.
The finance office is the most profitable room in any dealership. It’s designed to move quickly, feel routine, and discourage close reading. A stack of contracts, a fast-talking presentation, and pressure to sign before you leave — that combination is not accidental. It is a system that has been refined over decades to maximize revenue from buyers who are focused on the car, not the paperwork.
A finance contract review slows that system down on your behalf. Every line gets read. Every number gets verified. Nothing gets assumed.
What a Finance Contract Review Covers
APR and interest rate verification
We compare your contract rate against market rates for your credit profile and flag any markup above what you were approved for.
Payment math verification
We recalculate your monthly payment from the base numbers — price, rate, term, and down payment — and confirm it matches what’s in the contract.
Add-on and warranty disclosure check
We identify every product in your contract — warranty, GAP, protection packages — and confirm each one was explicitly discussed and agreed to.
Lender verification
We check that the financing institution in your contract matches what you were quoted and flag any bank name changes or term differences.
Total amount financed review
We verify the total financed amount matches the vehicle price plus agreed fees — and flag any discrepancy between the two.
Arbitration and contract clause review
We flag mandatory arbitration clauses and other contract provisions that may limit your rights if a dispute arises after signing.
How It Works
1
Upload your finance contract or worksheet
Send your buyer’s order, finance contract, or the dealer’s payment worksheet. A photo works. Never include your Social Security number.
2
Expert review — every line, personally
Michael reviews your specific contract — not a generic checklist. Every product, every rate, every number is checked against what it should be.
3
Free initial findings — then you decide
We tell you what we found at no charge. Full Integris Plus report is $298 if issues are found. If nothing is wrong, you pay nothing.
4
Full report with removal instructions
A clear breakdown of every problem and exact language to use when requesting corrections — before you sign a single page.
Frequently Asked Questions
Yes — and it happens more often than buyers realize. A dealer may quote you financing through one lender during negotiation, then present paperwork at signing through a different bank entirely. Sometimes this results in the same terms. Sometimes it means a different rate, different servicing, or conditions you weren’t expecting. Always verify the lender name in your contract matches what you were told — and ask for an explanation in writing if it changed.
Payment packing is when a dealer builds products into your monthly payment without clearly disclosing what’s included. You’re quoted a payment, you agree to it, and the contract includes warranties or protection packages you never explicitly approved. Because the payment number itself matches what you heard, most buyers don’t notice until they read the total amount financed — if they read it at all. We check for this specifically on every contract review.
The most important things to verify: the APR (not just the payment), the name of the lender, every product or warranty listed and whether you agreed to each one, whether the monthly payment matches your negotiated terms, the total amount financed versus the agreed purchase price, and any arbitration clauses. That’s exactly what our review covers — systematically, before you sign.
It depends. Some products like extended warranties can be cancelled within a certain period after signing, and you may be entitled to a pro-rated refund. However, this process varies by product, lender, and state. The far better outcome is catching these items before you sign — which is exactly what a finance contract review is designed to do. Contact us and we can advise on your specific situation if you’ve already signed.
Get Your Finance Contract Reviewed Before You Sign
Upload your paperwork and find out exactly what’s in it — warranties, rates, lender, and payment math — before you’re legally committed to any of it.
