Sample Deal Review — not a real quote.

Theia Deal Review

The same review structure your real scan will use

Deal Snapshot

Sample

Vehicle

2024 Toyota RAV4 XLE

Condition

Used

Deal Type

Finance

Sale Price

$30,500

APR

6.90%

Term

60 months

Monthly Payment

$605/mo

Down Payment

$3,000

Credit Tier

Good

Score & Verdict

Sample
75/ 100
Grade C — Needs Verification

This sample is marked Needs Verification: its APR comparison is favorable, but important price and itemization details are still open. The 6.9% APR is below Experian's Q1 2026 national average for good credit on a used auto loan. The $1,850 in accessories and $1,295 in fees should be itemized, and the vehicle price cannot be judged without mileage, history, and comparable listings.

Score confidence: Medium

The core math was checked, but confirm any missing or inferred figures against the written deal.

  • The vehicle price is not evaluated without mileage, history, location, and comparable listings.

What Matters Most

Sample
1

Review accessories

$1,850 in accessories or add-ons is included. Ask for each item, price, and contract term in writing, then request removal or a price adjustment where the agreement permits.

2

Itemize fees

$1,295 in dealer and document fees is included. Ask for a line-by-line list and verify which charges are dealer-imposed versus government-required.

3

Confirm the APR

The 6.9% APR is below the 8.77% Experian Q1 2026 national average for good credit on a used auto loan. Confirm the exact APR and amount financed in writing.

Numbers Check

Sample

Expected payment on $30,645 financed at 6.9% for 60 months is about $605 per month. The sample deal shows $605 per month, so the entered numbers are consistent, with $1,850 in add-ons and $1,295 in fees included.

Dealer Fees

$1,295

Add-ons

$1,850

Action Plan

Sample
Ask for a buyer's order showing the 6.9% APR, amount financed, term, and every fee before signing.
Review the $1,850 in accessories item by item and request removal or a written price adjustment where permitted.
Verify the $1,295 in fees against the itemized buyer's order and current official guidance for the purchase state.

Dealer Script

Sample

“Please show me a written buyer's order with the 6.9% APR, full amount financed, every fee, and each accessory listed separately. I would like to review and adjust any dealer-added items before I sign.”

Copy this and adapt it to the written figures in your deal.

Ask Theia — Preview

Preview

The live coach answers questions about your exact deal.

What's the most important thing to negotiate first?
Is the dealer fee negotiable?
Should I put more money down to lower the payment?
TheiaScan is an automotive deal-analysis and coaching tool, not a lender, dealer, credit bureau, attorney, or financial advisor. Results depend on the information provided. Verify all figures and terms against the final written contract before signing.

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