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Your payment depends on the car's price, your credit tier, your down payment and trade equity, your loan term, and the taxes and fees where you register the car. The Model Black estimates all of it for every new listing: set your deal profile once and every new car shows an estimate of your payment at that profile, itemized down to the doc fee. The lender sets the final rate and terms.

Yes. The Model Black estimates your rate from your self-reported credit score using risk-based pricing, the same method lenders use. There is no credit pull, no social security number, and no application until you choose to apply for financing on a specific car.

Each figure says what is in it. A finance payment or an out-the-door price includes the dealership's documentary fee (not a government fee) and estimated taxes and government fees for where you register the car: your local sales tax, title and plate fees, and the vehicle license tax. A lease payment includes estimated taxes where your state taxes the payment, and the documentary fee and government fees are due at signing unless you roll them into the payment. Each car shows its own dealership's documentary fee, and a car shows a price only once that fee is on file.

Every new car shows its MSRP and, with open pricing, its savings off MSRP and your payment three ways with the taxes and fees for your ZIP built in. Compare the out-the-door number, not the sticker.

Nothing you enter reaches a dealership until you send your deal. If you ask us a question, someone from The Model Black answers you directly. When you send your deal, the dealership receives your information and works with you directly from there.

Not necessarily, because it is an estimate until a lender reviews your application. Estimated APR: An estimate for your credit range, term, and vehicle, built on Rateous risk-based pricing and current market rates, and including the selling dealership's financing participation where it applies. It is not an offer from any lender; the lender sets your actual APR. Your actual rate and qualifications come from the lender when you apply for financing through the dealership on the car you choose.