For used-car buyers · est. 2026

The dealer reads
a dossier on the car.
Now you do too.

Every franchised dealer runs Cox Automotive’s analytical stack — they know the cost basis, the carry burden, the lender retail floor. Car Buyer Intelligence puts the buyer-side counter-model in your hands, with a citation-grade brief and the email you need to send.

$4,494
Avg savings per closed brief
6–10min
Per dossier · 7 skills · 6 phases
12+
Data sources · citation-graded
Decision brief · Phase 62026-05-24 · Erica K.

2023 Ford Bronco Outer Banks

VIN 1FMEE5BP3PLB99399 · McPeek’s CDJR · Anaheim, CA
95 days on lotDealer below costTarget $37,000
Dealer disclosed cost (vAuto leak)$41,600 – $41,992
Asking$38,994
Target close (recommended)$37,000
Walk-away ceiling$37,500
Lender retail (JD Power)$39,000
To: josh.penderghast@mcpeekcdjr.net
Subject: Re: Josh from McPeek's Auto!

Hi Josh,

My offer at $34,500 selling / $37,680 OTD
is good through end of business Saturday 5/30.

If your sales manager sees room to get there,
I'd be happy to wrap this up. If not, I'll be
moving forward with another option this week.

Best,
Erica
The dealer’s stack

You’re negotiating against the desk, not the salesperson.

Behind the salesperson sits a sales manager with a screen full of analytical tools. They know the unit’s investment score, the days-on-lot leverage ratio, the lender-retail anchor, the cohort comparables. Without the same kind of read on your side, every negotiation is asymmetric.

vAuto · ProfitTime GPS

Cox Automotive's investment scoring

Grades every used unit 1–12. Bronze · Silver · Gold · Platinum. Each tier has a published turn policy — Gold is 40 days. A 95-day Gold unit is canonical wholesale-out-trigger territory.

Your counter-read: our Phase 3 reconstructs the Score from the cohort filter, flags the leverage ratio, and converts days-on-lot into carry-cost burned-to-date.
Stockwave

Auction-acquisition demand prediction

Tells the dealer what off-brand inventory will retail at their lot. Aged off-brand inventory is, by construction, the population where Stockwave's prediction failed.

Your counter-read: we surface the Stockwave-failure signature — the off-brand cohort at a franchised dealer is the highest-leverage buyer-side population.
Manheim · MMR

Wholesale-market reference price

What the unit would clear at auction today. Dealers cite MMR to anchor their ask. But MMR is wholesale, not what your credit union actually advances.

Your counter-read: Phase 4 anchors on J.D. Power lender retail — structurally $4–6k below KBB.com on a 2–3 year-old SUV. The credit union's pre-qual is your real price ceiling.
Tekion / Reynolds / CDK

CRM dispatch + tactic playbook

Triple-channel dispatch within minutes. Scarcity push. In-person steer. "Market validation" lectures. Each tactic is documented and templated at scale.

Your counter-read: our Inbox scores every message for tactic signals, decodes automation tells (Tekion S3 video hosts, sub-day multi-channel), and produces forward-tense walk-away language.
How it works

Seven research skills. Six phases. One brief.

Paste a VIN, a listing URL, or just a year/make/model. We stage seven specialized research skills through six phases, with a checkpoint between every one — and produce a decision brief plus an embedded opener email you can copy-paste and send.

PHASE 1

VIN dossier

9-pass investigation. Recalls, CSPs, ownership pattern, service history, engine-build risk, disposal-path inference.

→ Citation-grade brief
PHASE 2

Comparables

BATNA from CarGurus · Cars.com · Carvana · KBB · TrueCar · Edmunds. Cohort median, rank, percentile.

→ Walk-away ceiling
PHASE 3

Dealer intel

Reputation across BBB · DealerRater · Cars.com · Carfax. Inventory analysis. Stockwave-failure detection.

→ Cost-basis estimate
PHASE 4

Financing math

OTD breakdown, 27-cell payment matrix, F&I match-or-beat threshold. Anchored on lender retail.

→ Payment tier table
PHASE 5

Strategy

Opener email, 4–5 response branches, forward-tense walk-away, close-day F&I decline script.

→ The email to send
PHASE 6

Decision brief

One-page action-oriented synthesis. Cross-phase consistency check. The artifact you carry into the dealership.

→ Printable PDF
Worked example · May 2026

“The dealer accidentally shared a vAuto screenshot. The brief extracted their loaded cost in eight fields, surfaced the 4.5× days-on-lot leverage ratio, and produced the email to send. I never acknowledged the leak.”

Erica K. · 2023 Ford Bronco Outer Banks · May 2026
Savings vs asking price
$4,494
Target close $37,000 vs asking $38,994 plus declined F&I markup at 7.9% APR ($2,003 over 60 months).
Asking$38,994
Target close$37,000
OTD at target · CA 7.75%$40,428
Monthly · 5.9% CU · 60 mo$683
F&I markup avoided+ $2,003
Pricing

One brief pays for everything else.

No per-brief fees. No upsells. Cancel anytime. The first analysis is free; if you don’t save enough on your first negotiation to cover a year, we’ll refund the difference.

Free

First brief

Run one full Phase 1–6 analysis on a vehicle you're considering. No card required.

$0 · forever
  • One complete Phase 1–6 brief
  • Email + walk-away templates
  • Printable PDF
  • Sample dealer-correspondence analysis
Start a free brief →
MOST POPULAR
Buyer

$19 / month

For an active negotiation or any buyer comparing more than one listing. Unlimited briefs, lifecycle reminders, correspondence inbox.

$19 / mo · or $190/yr
  • Unlimited briefs · 5 active at once
  • Correspondence inbox with tactic scoring
  • BATNA comparison + trajectory monitoring
  • Post-close lifecycle reminders
  • Save-the-difference guarantee on year 1
Start 14-day free trial →
Concierge

White-glove

A human analyst reviews every brief before send. For buyers in the middle of a $50k+ purchase who want a second set of eyes.

$299 · one-time
  • Everything in Buyer
  • Human review of Phase 5 strategy
  • 1:1 walkthrough before close day
  • F&I prep call (45 min)
Talk to a buyer concierge →
FAQ

Questions buyers actually ask.

Will the dealer know I'm using this?

No. The brief never leaves your hands. We don't email the dealer. We don't share data. Information-asymmetry discipline is built in — the brief tells you what to deploy and what to hold back.

How is this different from CarGurus / TrueCar?

Those tell you if a price is in line with the market. We tell you the dealer's cost basis, their carry-cost pressure, their cohort norms, and the email to send. They're anchors. We're leverage.

Do I need a Carfax / BeenVerified report?

Not required. The brief runs without them, but it's sharper if you drop them in. Phase 1 reads them directly before launching the more expensive web pulls.

What if the dealer ghosts me?

That's data. Phase 5 includes the walk-away email with forward-tense BATNA framing — it leaves the door open without weakening the walk. Most buyers who walk close at the lowest prices when the dealer returns.

Is this for new cars too?

Right now, no — the analytical model is tuned for the used market (Cox stack, ProfitTime, MUVVI). New-car negotiation has a different dealer-side toolkit. We'll get there.

What about EVs / Teslas?

EVs from franchised dealers (Ford / GM / Hyundai / Kia) work fine. Direct-from-manufacturer brands (Tesla / Rivian / Lucid) don't fit the cost-basis model — negotiation room there comes from inventory aging, not from dealer asymmetric data.

Be the best-prepared person in the room.

The dealer carries leverage from preparation, practice, and tools. Match it. The first brief is free.

Start your first brief
NO CREDIT CARD · 6–10 MINUTES · CANCEL ANYTIME