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

Lease vs Finance Monthly Compare

What does the Lease vs Finance Monthly Compare do?

Put the lease payment and the finance payment on the same vehicle side by side, plus the total out of pocket over the term. 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

Deal math

Lease vs Finance Monthly Compare

Same price, down, and term, both ways. See the lease payment against the finance payment and what each costs out of pocket over the term.

Vehicle price

Down payment

Term

Used for both lease and finance

Finance APR

Lease residual

Lease-end value as a % of price

Money factor

Lease rent charge (× 2400 ≈ APR)

Monthly payment, lease vs finance

Lease payment

$418.23/mo

Finance payment

$986.60/mo

Residual value: $19,250
Lease total out of pocket (36 mo): $18,056
Finance total out of pocket (36 mo): $38,518

The lease payment is lower by $568.38/mo, but financing builds equity toward ownership while leasing does not.

Lease side uses the standard money-factor formula; finance side uses standard amortization. Both are estimates. Actual lender offers add fees, taxes, and acquisition costs this tool does not model.

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 Lease vs Finance Monthly Compare?

Put the lease payment and the finance payment on the same vehicle side by side, plus the total out of pocket over the term. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Lease vs Finance Monthly Compare free?

Yes. The Lease vs Finance Monthly Compare 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 Lease vs Finance Monthly Compare 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.

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