JOEY is the personal AI sales system for the individual car salesperson. It keeps every lead warm, replies in your voice, and runs your outreach, calls, texts, emails, follow-up, and compliance in one place.

JOEY is for the individual car salesperson who wants to be the top performer at their dealership, not for the dealership itself.

Does JOEY work with my CRM?

Yes. JOEY works alongside the CRMs dealerships already use, including Tekion and DriveCentric, with no rip and replace.

Is JOEY TCPA compliant?

Yes. JOEY respects TCPA quiet hours and honors opt-outs automatically across every channel.

Deal Math

Cash vs Finance Comparator

What does the Cash vs Finance Comparator do?

Compare paying cash against financing so the customer sees the real tradeoff. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Try it now

Cash vs finance, settled.

Got the cash to buy outright? See whether keeping it invested and financing the car actually leaves you ahead, before the customer asks.

Vehicle price

The out the door number you would pay in cash

Loan APR

The rate on the finance offer

Term

How many months you finance over

Investment return

What the kept cash earns if invested

Finance and invest comes out ahead by

$38,434

Investing the kept cash at 5% outgrows the $6,484 in interest. Finance it and put the cash to work.

Pay cash

Cash out today: $35,000
Interest paid: $0
Investment gain: $0
Net position: -$35,000

Finance and invest

Total of payments: $41,484
Interest paid: -$6,484
Investment gain: $9,918
Net position: $3,434

Monthly payment, $691 for 60 months.

This compares the interest you pay to finance against the growth on the cash you keep and invest, compounded monthly. It assumes a steady return and ignores taxes, fees, and down payments, so treat it as a decision guide, not financial advice.

How to use it

Enter your numbers or details in the tool above.
Read the result instantly, no signup and nothing to install.
Use it live with your customer to build trust and move the deal.

Common questions

What is the Cash vs Finance Comparator?

Compare paying cash against financing so the customer sees the real tradeoff. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Cash vs Finance Comparator free?

Yes. The Cash vs Finance Comparator is free to use with no signup. JOEY also offers a full personal sales assistant if you want it to work your follow-up for you.

Who is the Cash vs Finance Comparator for?

It is built for the car salesperson who wants an edge, not for a corporate rollout. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Related tools

Out-The-Door Builder Build a clean, transparent out the door price the customer trusts
Payment Calculator Turn price, rate, and term into a clean monthly number
Lease vs Buy Lay both paths side by side and show the real difference
APR Comparison Compare lender offers and find the cheaper money

Want JOEY to do the work for you?

These free tools are a taste. JOEY is a personal sales assistant that works your follow-up, texts, emails, and call prep so you sell more every day.

Start free See all tools