Lot Smarter

Buyer

Name (optional) State / ZIP (optional) Credit score …or tier

Vehicle & price

YearMakeModelTrim MileageDealer asking price $ Doc fee $Add-ons $ (warranty, etching…) Other fees $ (title/reg)Sales tax %

Trade value reduces taxable amount

Kentucky default is 6%. Check your state's rules on fee taxation and trade-in credit.

Trade-in

I have a trade

Dealer trade offer $My value estimate $Payoff owed $

Financing

Money down $ Term (months) Dealer APR % Dealer quoted payment $/mo (optional)

Comparable sold / listed prices

Price $	Miles	Source	Notes

Enter real cars you found (same year/model/trim, similar miles). Sold prices beat listing prices.

Results

Market check

Negotiation summary

Typical APR by credit tier

Approximate, edit to current rates. These are rough reference values you can change, not live data. Check your bank or credit union for a real pre-approval.

Tier	Min score	Low %	High %

Check local comps (within 50 miles)

YearMakeModelZIPRadius (mi)

These show current listings and price guides, not exact sold prices. Use them to fill in the comps table above. Carvana ships nationwide and ignores ZIP/radius; KBB and Edmunds pages give value ranges (enter your ZIP there).

Find comps & values

These open searches on each site. Results there are theirs; enter what you find in the comps table.

Get pre-approved before you go

A loan pre-approval from a bank or credit union tells you your real rate before the dealer runs your credit. It gives you leverage because:

You know your true APR, so a marked-up dealer rate is easy to spot.
You can negotiate the out-the-door price as a cash buyer instead of haggling over a monthly payment.
The dealer has to beat your rate to win the financing, not just match a payment.

Find a credit union for pre-approval

Disclosure: Lot Smarter may earn a referral fee from some links. It never changes the numbers this app shows you.

Privacy

Everything you enter stays on this device. Nothing is sent to a server, and there are no accounts or tracking. Use "Clear all inputs" to erase it.