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

Payment Shock Cushion

What does the Payment Shock Cushion do?

Show a first-time buyer how a slightly longer term softens the jump from their old payment. 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

Payment shock cushion.

Compare candidate terms side by side. See how a longer term lowers the monthly jump from your current payment, and the total interest each term really costs.

Amount financed

Loan after down and trade

APR

Annual interest rate

Current or old payment

What the buyer pays today

Term A

Shorter

Term B

Middle

Term C

Longer

Softest jump at 72 months

+$141

The 72 month term still lifts the payment $141 a month, but it is the gentlest of the three. Weigh it against the interest below.

TermPaymentVs nowInterest

48 mo$781+$361$5,498

60 mo$649+$229$6,931

72 mo$561+$141$8,397

A longer term lowers the monthly payment but adds interest over the life of the loan, so the softest jump is rarely the cheapest deal. Uses standard loan amortization. This is a guide, not a financing offer.

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 Payment Shock Cushion?

Show a first-time buyer how a slightly longer term softens the jump from their old payment. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Payment Shock Cushion free?

Yes. The Payment Shock Cushion 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 Payment Shock Cushion 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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Out-The-Door Builder Build a clean, transparent out the door price the customer trusts

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.

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