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

Loan Term Comparison

What does the Loan Term Comparison do?

Lay out 60, 72, and 84 month terms so the payment story is crystal clear. 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

Loan term comparison.

One amount, one rate, four terms side by side. Show the customer exactly what a lower payment costs them in interest before they pick.

Amount financed

Out the door, less down and trade

APR

The buy rate the customer qualifies for

TermMonthlyTotal interest

48 mo$774/mo$5,139

60 mo$641/mo$6,473

72 mo$553/mo$7,836

84 mo$491/mo$9,229

Stretching from 48 to 84 months drops the payment about $283 a month, but adds roughly $4,090 in total interest over the life of the loan.

Standard fixed-rate amortization on the financed amount. Real deals carry tax, fees, and lender add-ons, so treat this as the shape of the tradeoff, not the final contract.

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 Loan Term Comparison?

Lay out 60, 72, and 84 month terms so the payment story is crystal clear. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Loan Term Comparison free?

Yes. The Loan Term Comparison 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 Loan Term Comparison 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