For anyone buying or leasing a car
Know what your car deal really costs — before you sign it.
Dealers quote a monthly payment. Lotly reads the quote, worksheet, or text you were handed, totals the real out-the-door cost, names what's missing, and writes the questions to send back. Free to start — and nothing is ever signed for you.
No SSN, bank details, or account logins — ever.
$5,040
flagged in one illustrative $38,000 deal
Worked example — not a promise
15+ yrs
inside dealerships, on both sides of the desk
$0
to check your first quote, with no dealership visit
Why this is hard
They have every number. You get the payment.
That's the whole gap — and it has nothing to do with being bad at math. Here's what changes when you run the deal through Lotly first.
The usual way
The numbers
The dealer has MSRP, invoice, holdback, incentives, and the market. You get a monthly payment and a hope.
The conversation
Hours in the showroom, a trip to the sales manager, and the pressure to sign today.
The add-ons
Protection packages, tint, nitrogen, dealer fees — quietly rolled into the total you're asked to approve.
The paperwork
You compare the contract you're signing against your memory of what was promised.
With Lotly
The numbers
Every line item pulled out of your quote and totalled — including the ones that only show up in the fine print.
The conversation
Copy-ready messages that ask for the real numbers, sent on your own time. With Full Negotiation, we run the back-and-forth for you.
The add-ons
Each add-on and fee named on its own line, with the question to ask and what the price looks like without it.
The paperwork
The final document checked field by field against the offer you saved, with every change listed before you sign.
No dealership visit required. Nothing is signed for you, and no message goes out without you.
Where the money hides
The monthly payment is not the price.
Two offers can show the same payment and still land thousands apart. Nobody in the showroom slows down to walk you through it — so here is one illustrative $38,000 purchase, line by line.
Illustrative difference in this one example
Every dollar of it came from a question, not a fight.
The four questions that moved it
Vehicle price
What is the selling price before fees — and what would the same car cost at another dealer?
Dealer fees and doc
Show every fee itemized, and tell me how the doc fee compares to my state's norm.
Add-ons
Is each add-on optional? Send the price without it, in writing.
Finance charges
Put the APR, term, amount financed, and total of payments in writing.
A worked example for illustration only — not a quote, and not a promise of savings. Real amounts vary with the vehicle, dealer, region, taxes, incentives, and credit. Lotly helps you ask the right questions; we never agree to terms for you, and you decide and you sign.
How it works
Three steps to a straight answer.
No dealership visits, no phone tag, no pressure. You keep control of every message and every decision.
Hand us what they handed you
Paste the email or text, or upload the photo of the paper they slid across the desk.
See the real price
We total what you'd actually pay and name every term that's missing or easy to overlook — in plain numbers.
Send the right question
Copy a draft that asks for the real numbers or pushes back. You send it — or we take it from there.
Everything you need to stop guessing.
The same numbers a dealer has, laid out the way you'd want to see them.
Purchase and finance
The full total you're agreeing to — price, fees, taxes, APR, and total of payments — not just the monthly payment.
Lease worksheets
Money factor, residual, cap cost, due at signing — translated into plain English you can question.
Offer comparison
Up to five offers side by side on the same terms, so you can see who is actually cheaper.
Negotiation drafts
Copy-ready messages that ask for real numbers or push back. You send them, on your own time.
Final-document check
Upload what they ask you to sign and see what changed since the written offer — the moment it matters most.
Who's behind Lotly
Built by someone who has sat on both sides of the desk.
I spent more than 15 years in dealerships — selling on the floor, buying and appraising inventory, and eventually running the store as general manager. That includes top-10 franchise stores, independent lots, and rebuilt and salvage-title operations.
Lotly is the second opinion I'd give a friend before they walked in: where the numbers come from, what's normal, and what to ask before you sign anything.
What that experience gets you
What we never do
No pressure from us either. Your control comes first — the pen stays in your hand.
Straight answers
Questions people ask before they start.
Do the parts you want. Hand us the rest.
Start free on a single quote. Move up only when you want the paperwork read for you, another dealer in the mix, or a person running the negotiation.
Free
Check any quote yourself and get the words to ask for the real numbers.
- One active deal
- One offer per deal
- Request-message templates
- Manual offer entry
- Basic purchase and lease math
Deal Review
We read the paperwork and tell you what's missing, unclear, or easy to overlook.
- Everything in Free
- Unlimited deals
- AI document analysis
- Issue detection
- Market valuation
- Negotiation drafts
Negotiation Kit
Working more than one dealer? Compare them on the same terms.
- Everything in Deal Review
- Up to five offers per deal
- Side-by-side comparison
- Negotiation coach
- Final-document check
Fast-Track Review
A person reads your deal and tells you exactly what to do next.
- Everything in Negotiation Kit
- Human review requests
- Priority processing
Full Negotiation
You never deal with the dealer. We contact them and run the negotiation.
- Everything in Fast-Track
- We contact the dealers for you
- We build and run your counteroffers
- One complete deal
Deal Review, Negotiation Kit, and Fast-Track Review are monthly subscriptions you can cancel anytime. Full Negotiation is a one-time service covering one vehicle deal: we contact the dealers for you, but we never sign a contract or agree to terms on your behalf, and we confirm availability before work begins.
Before you sign anything, know what you're signing.
Paste in the quote you were handed. You'll see the real total, what's missing, and the exact words to send — in a few minutes, without stepping into a showroom.