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

Payoff vs Trade Gap

What does the Payoff vs Trade Gap do?

See the negative equity gap between what the customer owes and what the trade is worth, and what rolling it in does to the 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.

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Deal math

Payoff vs Trade Gap

See the negative equity gap between what the customer owes and what the trade is worth, and what rolling it in does to the payment.

Current payoff

What the customer still owes on their trade

Trade appraisal value

What the trade appraises for today

APR

Rate on the new loan

Term

Length of the new loan

Negative equity gap

$7,000

Amount rolled into new loan

$7,000

Extra payment from the gap

$121.03/mo

Current payoff: $22,000
Trade appraisal value: $15,000
Gap (payoff minus appraisal): $7,000

The customer is $7,000 upside down. Rolling that into the new loan adds about $121.03 a month at 7.5% over 72 months, on top of the rest of the deal.

Assumes the full gap rides on the new loan at the same rate and term as the vehicle. Real deals may cap advances or spread the gap differently. Use this as a planning estimate, not a lender quote.

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 Payoff vs Trade Gap?

See the negative equity gap between what the customer owes and what the trade is worth, and what rolling it in does to the payment. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Payoff vs Trade Gap free?

Yes. The Payoff vs Trade Gap 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 Payoff vs Trade Gap 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

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Biweekly Payoff Savings See how much sooner a loan pays off, and how much interest you save, paying half the payment every two weeks
Interest Cost Breakdown See the total interest on a loan and how the first payment splits between principal and interest
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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