The car buying tool built for the buyer

They know
every trick.
Now you do too.

Holdback gives you the insider knowledge, real market data, and negotiation tools that dealerships wish you didn't have.

Free to use. No dealer sponsors. Ever.
Market price scanner Dealer markup detector Rate markup calculator Money factor decoder Trade-in maximizer Negotiation cheat sheet Holdback estimator End-of-month timing signal Market price scanner Dealer markup detector Rate markup calculator Money factor decoder Trade-in maximizer Negotiation cheat sheet Holdback estimator End-of-month timing signal

How it works against you

Four ways
dealers profit
from you.

Every visit to a dealership is a structured information game — and they're holding most of the cards. Here's what's actually happening.

Hidden
01
Gross vehicle profit
The spread between what they paid the factory and what they sell it to you for. This is just the beginning.
Secret
02
Holdback
A bonus the manufacturer pays the dealer after each new car sale — completely invisible to you, built into every new vehicle deal.
Overcharged
03
Rate markup
You qualify at 4.49%. They quote you 5.99% and pocket the spread. On a $35k loan that's $1,500+ straight out of your pocket.
Optional
04
F&I products
Extended warranties, tire protection, paint sealant. Some are worthwhile. Most are marked up 200-400% over actual cost.

The lease secret they won't tell you

Decode your lease
in 3 seconds.

The "money factor" is how dealers disguise your lease interest rate. Multiply it by 2,400 and you have the actual APR. Holdback does this automatically — and shows you if your dealer marked it up.

0.00189 × 2400
Money factor the dealer quotes you
=
4.5%
Your actual lease interest rate

What's in the dashboard

Every tool
you need.

Core tools are free. Advanced deal intelligence is Pro — $19 per deal, one-time.

Market intel
Price scanner
See what similar cars actually sold for in your area — not just listed. Know your floor before you walk in.
Free
Negotiation
Markup detector
Paste a listing URL and instantly see how far above market the dealer is asking. The number that changes everything.
Free
Financing
Rate benchmarker
Enter your credit score range and loan amount. See what rate you should qualify for — so you know if the dealer's quote is fair.
Free
Leasing
Lease decoder
Convert money factor to APR, calculate true monthly cost, and see if the residual is inflated. Every number, explained.
Free
Trade-in
Trade maximizer
Get competing offers across KBB, CarMax, and dealer estimates before you step foot inside. Walk in with ammunition.
Free
Pro feature
Deal cheat sheet
AI-generated briefing specific to the car you're buying. What to say, what to decline, which fees to push back on — before you go in.
Pro — $19/deal

The insider perspective

Built by someone
who sat on
their side.

"I spent years as a car salesman, finance manager, and sales manager at Mercedes-Benz and VW dealerships. I've handled over 1,000 purchases from the other side of the desk. I built Holdback because I know exactly how much money buyers leave on the table — and it's preventable."

Matty — Founder, Former F&I Manager
1,000+
Deals processed as F&I manager
250+
Cars sold across Mercedes & VW
$4k
Avg. buyer overpay on a $30k car
0
Dealer sponsorships. Ever.

Stop
leaving money
at the lot.

Join early access. Free tools available at launch. No spam, no dealer ads in your inbox.