Frequently asked questions

No. We never sell cars and never accept commissions or referral fees from dealers, lenders, brokers, or insurance companies. Your fee is the only money we get paid.

Yes. If you have an ITIN we can introduce you to ITIN-friendly auto lenders and credit unions, walk you through what they will ask for, and time the purchase so your file is in the strongest possible shape. If you don't have an ITIN yet, we'll help you get one.

We coach you through getting pre-approved with a credit union or independent lender BEFORE you visit any dealer. We don't arrange the loan ourselves — that keeps us neutral. You walk into the dealership with a real offer in hand, which is the single biggest predictor of getting a fair APR.

For most first-time buyers a 2–4 year old used car is the better deal. New cars lose 20–30% of their value in the first two years, and the warranty premium rarely pays for itself. We will look at total cost of ownership, not sticker price.

CarMax and Carvana are retailers — they make money selling you their inventory. We make money helping you buy from anyone, including dealers across the street, private sellers, or auctions. No inventory bias.

Starter is delivered as a written plan within 2 business days. Guided usually closes in 1–2 weeks. Concierge runs 2–4 weeks depending on inventory and your timeline.