$8.7M in Hidden Fees Found This Year

The F&I Manager Has 47 Ways
To Add $5,000 to Your Car. We Know All of Them.

Dealer markup. Junk fees. Yo-yo financing. Paint protection scams. Our AI has found $8.7M in hidden charges this year alone. Scan your contract in 60 seconds—before you drive off the lot.

I'm at the Dealer NOW - Help Me Fast

60 sec SignSafe

Hours of Haggling

Today: 23 dealer markups caught. 14 forced arbitration clauses flagged. Average savings: $2,847.

Scan My Dealer Contract

Multi-Model AI GPT-4, Claude, Mistral Free Analysis no account required 1-2 Minutes typical analysis time

Contract Analysis

Vehicle Purchase Agreement

Base Price: $32,500

Documentation Fee: $499

Dealer Markup: $2,000

Paint Protection: $899

VIN Etching: $299

Section 14(b): Buyer agrees to binding arbitration...

Risk Found: $2,000 Markup

The Dealership Is Counting On You Not Reading This

$1,200

Average Hidden Markup

Dealers add markups that aren't on the sticker price. Most buyers never notice until it's too late.

72 hours

Yo-Yo Financing Window

Dealers let you drive away, then call saying "financing fell through" to force worse terms.

94%

Have Forced Arbitration

Most dealer contracts strip your right to sue. But many have a 30-day opt-out window buried in the fine print.

How Much Are You Being Overcharged?

Enter your numbers to see estimated hidden fees

Vehicle Price (MSRP or Sticker)

Total "Fees" Listed in Contract

Estimated Hidden Fees

Window Sticker Price

MSRP$34,500

Destination$1,095

Package Options$2,300

Sticker Total$37,895

What You're Actually Signing

Vehicle Price$34,500

Market Adjustment+$2,000

Destination$1,095

Options$2,300

Paint Protection+$899

VIN Etching+$299

Nitrogen Tires+$199

Doc Fee+$599

Contract Total$41,891

$3,996 in hidden charges — and this doesn't even include financing

Compare Your Contract to Sticker Price

SignSafe Catches What Dealers Hide

Our AI is trained specifically on auto dealer tactics

Markup Detection

Instantly spots dealer markups, even when buried in "market adjustment" or "addendum" language.

Yo-Yo Alert

Flags "conditional delivery" and "spot delivery" clauses that let dealers demand more money later.

Opt-Out Letters

Generates ready-to-mail arbitration opt-out letters with exact addresses and deadlines.

Negotiation Scripts

Word-for-word scripts to push back on unfair terms. Know exactly what to say in the finance office.

Real Savings From Real Buyers

"Caught a $3,500 'market adjustment' that wasn't on the sticker. Dealer tried to say it was standard. I walked away and found the same car $4K cheaper elsewhere."

"They tried the yo-yo scam on me. Called 3 days later saying my financing 'fell through.' SignSafe had already warned me this might happen. I was prepared."

"Used the opt-out letter for my truck loan arbitration clause. Took 5 minutes to send. Now if they ever screw up my loan, I have real legal rights."

Reading Time

20 min

For a typical vehicle purchase agreement

Lawyer Review

$300+

Consumer attorney hourly rate

Analysis Time

60 sec

Complete analysis with risk scoring

Neuro-Symbolic AI

Combines neural networks with symbolic reasoning to understand context and legal implications—not just keyword matching.

Multi-Model Analysis

Cross-validates findings using GPT-4, Claude, and Mistral models with automatic failover for maximum accuracy.

Pattern Recognition

Powered by AI models trained on millions of legal documents to identify 50+ clause types and adversarial language patterns.

Legal Knowledge Base

Continuously updated with state-specific laws, recent court decisions, and regulatory changes.

Risk Scoring Engine

Quantifies exposure using actuarial models and industry benchmarks for financial impact assessment.

Privacy-First Design

Documents processed in isolated environments. Zero retention, no training on your data, AES-256 encrypted.

100K+ Contracts Analyzed

50+ Clause Types

3 AI Models (GPT-4, Claude, Mistral)

1-2min Typical Analysis Time

Your text is analyzed locally and never stored.

Analysis results will appear here

Vehicle Price Total purchase price including MSRP

We'll estimate based on common dealer tactics we find

Quick select:

Potential Hidden Costs

Based on clauses we commonly find

Dealer Markup (ADM) $0

5-15%

Add-On Products (VIN Etching, Paint) $0

$500-$3K

Extended Warranty Markup $0

50-200% over cost

Documentation & Admin Fees $0

$300-$1K

Total Potential Hidden Costs $0

SignSafe Cost FREE

Protect Your Car Purchase Now

Estimates based on common dealer markups and add-ons. Actual costs vary by dealer and region.

Select Your State for Relevant Protections

Showing California protections (strongest in the nation)

California Residents

Your California Auto Buyer Protections

California has some of the strongest car buyer protections in the nation.

Car Buyer's Bill of Rights

California dealers must provide specific disclosures:

Written price disclosure before signing
Right to get your own financing
No forced add-ons without consent
24-hour "cool off" period for used cars (with fee)

Yo-Yo Sale Protection

If dealer calls saying financing fell through, you have rights. They cannot change terms more than 2% APR or demand higher down payment without your written consent to new terms.

"Vehicle is sold subject to a Market Adjustment of $2,995 (ADM) reflecting current supply and demand conditions. This addendum is in addition to MSRP and is not negotiable."

Translation: "We're charging you $3K extra just because we can"

Despite what they claim, this is 100% negotiable. "ADM" is pure dealer profit. Walk away and they'll often call you back within 24 hours without the markup.

Potential cost: $1,500 - $10,000+

"Any dispute arising out of or relating to this Agreement shall be resolved exclusively by binding arbitration administered by the American Arbitration Association. Buyer waives any right to trial by jury or to participate in a class action."

Translation: "If we screw you over, you can never sue us in court"

Arbitration heavily favors dealers since they're repeat customers of the arbitration service. Even if they sell you a lemon or commit fraud, you're stuck in a private process where dealers win 80%+ of the time. BUT most contracts have a 30-day opt-out window buried in the fine print.

Your legal rights: effectively waived

"This sale is conditioned upon approval of financing by a third-party lender. If financing is not approved within 10 days, Buyer agrees to return the vehicle and Dealer may retain any down payment as liquidated damages."

Translation: "We'll call in 3 days saying your financing 'fell through'--then demand more money"

This is the yo-yo scam (also called "spot delivery"). They let you drive away, then call back claiming the bank rejected your loan. Now they want a bigger down payment, higher rate, or a cosigner. In reality, they often never submitted your real paperwork. If you refuse, they threaten to report the car stolen.

Potential cost: $2,000 - $5,000+ in rate increases

💰

Refusing Dealer Markup (ADM)

They're insisting the $2,995 "market adjustment" is mandatory and non-negotiable.

"I understand there's high demand, but I'm only prepared to pay MSRP. I've found three other dealers within 50 miles selling this model at sticker price. I'd prefer to buy from you today, but if the markup is truly non-negotiable, I'll need to go elsewhere. Can you check with your manager one more time?"

🛒

Declining Add-On Products

The F&I manager is pushing VIN etching, paint protection, fabric coating, and nitrogen tires.

"I appreciate you explaining these options, but I'm declining all add-on products today. Please remove the VIN etching, paint protection, fabric guard, and nitrogen package from the contract. I'd like to see a new total that reflects the vehicle price, tax, title, and only mandatory state fees. If any of these have already been applied to the car, I understand that was at the dealer's discretion--not mine."

📞

Handling Yo-Yo Financing Calls

Three days after you drove away, the dealer calls saying your financing "didn't go through."

"I have a signed contract at the agreed terms. Please send me written documentation from the lender showing the specific reason for rejection. I'll review it with my attorney before making any decisions. I'm not agreeing to new terms over the phone. If you're saying the deal is cancelled, I'll need that in writing too, along with a full refund of my down payment within 48 hours per state law."

4/10

Risk Score

Red Flags

$8,400

Hidden Fees Found

38s

Analysis Time

Fairness Signal: YELLOW - Review Carefully

This retail installment contract contains industry-standard terms but includes high APR, dealer add-ons, and mandatory arbitration that deserve scrutiny.

Contract Language Toxicity

58/100

WTF Clauses

NOPE Terms

Rude Language

Vehicle Price

$32,500

APR

8.9%

Dealer Add-ons

$3,200

Total Interest

$7,400+

$2,995 at risk

Hidden "market adjustment" added to the price. This is pure profit for the dealer with zero value to you.

$399 at risk

Nitrogen tires provide no real benefit over regular air. This is a common dealer profit center.

Legal rights at risk

You waive your right to sue. Must use arbitration, which statistically favors dealerships. 30-day opt-out available.

Recommended Actions

Refuse to pay market adjustment (it's negotiable)
Decline nitrogen package and VIN etching
Mail arbitration opt-out within 30 days

Get the same detailed analysis for your contract

Analyze Your Contract

Not ready to download?

Get our free checklist: "10 Hidden Dealer Fees to Watch For"

Need a Custom Solution?

Whether you're a consumer advocacy group, auto financing company, or dealership compliance team—we can integrate contract analysis into your workflow.

White-Label API Custom Branding Industry Templates Bulk Analysis SSO Integration Dedicated Support

Contact Sales Learn More

2.4K Contracts/mo

94% Risk Detected

$1.2M Saved

Going to a Dealership Soon?

Bookmark SignSafe before you go. When they hand you the paperwork, you'll be ready.

Analyze Contract Free

The F&I Manager Has 47 Ways To Add $5,000 to Your Car. We Know All of Them.