Car dealerships make most of their profit on financing.

Main AI reads your auto loan and dealer financing documents — finds add-ons you didn't agree to, markup on interest rates, and payment packing tactics.

Analyze my auto finance free → Try the free clause checker

Every finding quoted from your document

Statute citations included

Ready-to-send letters prepared

What Main AI finds

What we catch in your auto finance

Dealer markup on APR

Dealers mark up the interest rate from what the bank actually offered — sometimes 2-3% above.

CFPB Auto Lending Guidelines

Packed optional products

GAP insurance, extended warranties, and credit life insurance added to payments without disclosure.

FTC Used Car Rule

Yo-yo financing clause

Dealer reserves the right to call you back to renegotiate after you've taken delivery.

FTC regulations

Prepayment penalty

You may be charged for paying off the loan early — check before making extra payments.

Loan agreement terms

Spot delivery before approval

Taking delivery before financing is finalized means terms can change unfavorably.

State consumer protection law

Balloon payment buried

Large final payments buried in the payment schedule significantly increase total cost.

Truth in Lending Act

How it works

Three steps. Under 60 seconds.

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Upload your document

PDF, paste, or screenshot. Any format, any length. Our specialized auto finance analyzer engine routes it to the right analysis instantly.

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Get findings in under 60s

Every finding quoted from your exact document — never invented. Statute citations, dollar impacts, and severity ratings included.

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Send what's prepared

Demand letters, dispute notices, and negotiation counters drafted and ready. You review, you send — or Main AI negotiates for you.

Analyze your auto finance for free.

Upload your document now. Main AI finds every issue, cites the exact statute, and prepares everything ready to act on. Free to start — no credit card.

Start free analysis →

Every finding quoted from your document · Never trained on your data · Results in under 60 seconds