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

Buy Rate vs Sell Rate Reserve

What does the Buy Rate vs Sell Rate Reserve do?

Calculate dealer reserve from the spread between buy rate and sell rate. 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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Finance reserve

Buy Rate vs Sell Rate Reserve

See the dealer reserve created by marking a rate up, and what the markup adds to the customer's payment.

Amount financed

Term

Buy rate (bank)

Sell rate (customer)

Dealer participation

Share of the rate spread the lender pays the dealer, often 70 to 100 percent.

Estimated dealer reserve

$1,830

Rate spread

2.00%

Payment bump

$34/mo

Gross finance delta

$2,441

Reserve estimate
Amount financed: $35,000 over 72 mo
Buy 6.5% vs sell 8.5% (spread 2.00%)
Customer pays about $34/mo more
Estimated reserve at 75% participation: $1,830

Estimate only. Actual reserve depends on the lender's participation formula, rate caps, and any flats. Never quote reserve to a customer.

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 Buy Rate vs Sell Rate Reserve?

Calculate dealer reserve from the spread between buy rate and sell rate. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Buy Rate vs Sell Rate Reserve free?

Yes. The Buy Rate vs Sell Rate Reserve 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 Buy Rate vs Sell Rate Reserve 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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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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