AUTO FINANCING OFFER WORKSHEET
US dollars. Reviewed October 6, 2026. Use with
https://yenra.com/auto-finance-loan-calculator/
Copy this offer block for each written quote. Examples and online defaults are fictional.

OFFER A / B
Vehicle, condition and included options: __________
Lender/dealer and quote date/expiration: __________
Out-the-door price BEFORE rebate, cash down and trade credit ($): __________
Itemized taxes, fees, extras already INCLUDED above: __________
Cash down ($): __________ Rebate applied ($): __________
Trade value ($): __________ Dated trade payoff ($): __________
Additional fees paid separately and NOT included above ($): __________
Financed lender fee included in price input, if any ($; note): __________
Loan principal ($): __________
Contract annual interest rate (%): __________ Disclosed APR (%): __________
Whole months: __________ First due date: __________
Lender payment ($): __________ Lender final payment ($): __________
Interest method and early-payoff rules: __________
Conditions for rebate/rate/discount: __________

MODEL RESULTS
Regular monthly payment ($): __________ Final payment ($): __________
Total modeled interest ($): __________ Total loan payments ($): __________
Total cash = down + outside fees + all loan payments ($): __________
Net trade equity = trade value - payoff ($): __________
Purchase + financing cost = total cash + net trade equity ($): __________

CHECK
[ ] Each fee, tax, extra and rebate counted once.
[ ] Quoted APR recorded separately; contract rate used in calculator.
[ ] Differences in vehicles, down payment, trade credit and term understood.
[ ] Monthly ownership costs fit household budget.
[ ] Actual contract schedule reconciled with estimate.
The model uses fixed monthly interest and cent rounding. Daily/precomputed interest,
changing rates, irregular payments and balloon loans need their actual schedules. It
excludes later ownership costs and resale value.

FICTIONAL CHECK
Both offers: $30,000 price, $3,000 down, no trade or outside fees, 60 months.
A: 0% with no rebate -> $27,000 loan, $450/month, $30,000 total cash.
B: 5% with $2,000 rebate -> $25,000 loan, $471.78 regular payment, $471.86 final payment,
$3,306.88 modeled interest, $31,306.88 total cash.
A is $1,306.88 lower in this example. These are not current offers.