PattyKnows

Deal Sticker

Type in any lease or purchase quote and we'll normalize it into a clean, readable card — the true monthly cost, the red flags, and what to ask next. Manual entry only.

Privacy: a real worksheet can contain your name, address, VIN, and account numbers. Don't enter details you don't need, and don't share a full worksheet publicly. PattyKnows is manual-entry only in this phase and stores nothing you type here.

Vehicle

A VIN is identifying — optional, and don't share a full worksheet publicly.

Price

Terms

Payment & cash

What the dealer asks up front. Not the same as total out of pocket.
Your true all-in cash, including tax and all fees. Ask for this exact number.

Rate & residual

Fees

New York caps the doc fee at $175.

Add-ons

Deal Sticker

Your quote

Looks clean from what you entered

Effective monthly$0.00
Est. total cost$0.00

What looks clean

  • No dealer add-ons listed on the quote.

Flags & questions

  • Ask the dealer
    Ask how New York tax is being handled

    In New York, sales tax on a long-term lease is due at lease inception on the full stream of payments. Ask whether that tax is paid upfront or capitalized into your monthly payment.

  • Ask the dealer
    Get the money factor in writing

    Ask for the money factor and whether it's marked up over the lender's buy rate. Multiply it by 2400 for the rough APR.

What’s missing from this quote

  • selling price / agreed value
  • total out of pocket (incl. tax + fees)
  • money factor
  • residual %
  • residual value

What to ask the dealer next

  • Ask how New York tax is being handled
  • Get the money factor in writing
  • What is the exact total due at signing, including tax and every fee?
  • Can I see the money factor and residual percentage in writing?
  • Which of these add-ons can be removed, and does the price hold without them?

How total cost is calculated

Enter a monthly payment and term to see the effective monthly cost.

Privacy: a real worksheet can contain your name, address, VIN, and account numbers. Don’t share a full worksheet publicly. PattyKnows is manual-entry only and stores nothing you type here.