Rate markup
The lender approves you at one rate and the dealer can write your contract at a higher one, keeping the difference. A point or two adds up to real money over the loan.
Car-buying coaching · Austin, Georgetown & all of Texas
I spent 13 years making dealers money in the finance office. Now I work for you.
I'm James Buck, a former dealership Finance Director and General Sales Manager. I show you exactly where the money hides in your deal, and coach you through every step so you walk out paying less.
- 100% paid by you. I never take a dime from dealers.
- Deal reviews back within 24 hours
- New or used, virtual anywhere in Texas
Inside the finance office
Where dealers make their money
The sticker price is only part of the deal. I sat on the other side of the desk, so I know where to look.
F&I add-ons
Service contracts, GAP, tire and wheel, paint protection. Some are worth it at the right price, many aren't. I'll tell you which to decline.
Junk fees
Dealer add-ons, "protection packages" and padded fees that show up on the buyer's order. Know which lines are real before you sign.
Trade lowballs
A great price on the new car can hide a weak number on your trade. Get a real trade value check before you hand over the keys.
Simple
How it works
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Email me
Tell me what you're shopping for, or attach a photo of the buyer's order or worksheet you already have.
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Get your game plan
I mark up every line, set a target out-the-door price, and tell you exactly what to say and what to turn down.
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You make the deal
You contact the dealer, negotiate and sign, with me coaching you in real time, right up to the finance office.
Flat, upfront pricing
Pick your level of help
100% paid by you. I never take a dime from dealers, so my only job is getting you a better deal.
Deal Review
$99
Already have numbers? Send me your buyer's order or worksheet.
- Every line marked up within 24 hours
- Rate markup check
- Add-ons and fees: keep or cut
- Trade value check
Most help
Car Buying Advocate
$399 flat
Coaching from first step to signed paperwork.
- Financing pre-approval strategy
- Target out-the-door price
- Trade value check
- F&I menu coaching: which products to decline
- Negotiation coaching
- Virtual support while you sign
Why James
I've worked every seat at the table
Sales floor, sales desk, finance office and the lender. Now I use all of it on your side.
13+
years in automotive sales and finance
Questions
FAQ
Do you take money from dealers?
No. 100% paid by you. I never take a dime from dealers, no referral fees, no kickbacks. My only incentive is your deal.
Do I still negotiate?
Yes. You contact the dealer, negotiate and sign. I coach you through every step: what to ask for, what to say, and what to turn down.
New or used?
Both. The same playbook works on new and used cars, at franchise dealers and independent lots.
Where do you work?
I'm based in Austin and Georgetown, and I work virtually with buyers anywhere in Texas by email and video call.
Can you fix my credit?
No. I don't offer credit repair or credit coaching. My service is coaching you through the car deal itself.
Let's talk
Before you sign anything, email me.
Attach a photo of your buyer's order or tell me what you're shopping for. I'll tell you honestly whether I can help.