For car buyers who are done getting played

The car-buying process is structured in the dealer's favor.
We change that structure.

Two former automotive insiders — F&I Director and Sales Specialist. We negotiate your entire deal, secure a dealer-signed purchase agreement, and route it back to your loan officer to close the loan. One quick signing appointment — in person or remote — and it's done. Your time, your money, and your personal information protected from start to finish.

Get My Deal Negotiated → See how it works

✓ $1,000 flat rate

✓ 12 yrs F&I experience

✓ Zero dealer ties

🔒 Your info never goes to the dealer

The dealership isn't confusing by accident.

Every step of the car buying process is designed to extract money from you — while making you feel like you got a deal. Here's what's actually happening.

You sit for 2–4 hours while the "manager checks your deal." That wait is intentional. A fatigued buyer in hour three says yes to things a clear-headed buyer would never agree to. Decision fatigue is real and measurable — and dealerships have built their entire sales process around it. By the time you reach the finance office, your resistance is gone. That's not an accident. That's the plan.

Your lender approved you at one rate. The dealer presents a higher one. That gap — called dealer reserve — goes straight into the dealer's pocket. It's completely legal. It's never disclosed. Most buyers never find out. The difference between your approved rate and what the dealer quotes you can result in significant additional interest paid over the life of the loan — and the dealer keeps most of it.

You spent hours negotiating the car price. You think you're done. You're sent to a different room with a different person who starts the entire process over — under the guise of "finalizing paperwork." Extended warranties, GAP insurance, tire protection, paint sealant. Each product is presented quickly, with payment figures rather than total costs. Many buyers agree to products they didn't plan on buying — simply to be done and go home.

Your trade gets appraised low. Then, after you've agreed on a vehicle price, they "come up" on the trade. You feel like you won the negotiation. You didn't. The two numbers were always connected — they move one to conceal what happened to the other. A trade-in adjustment and a purchase price adjustment can cancel each other out entirely. The math may be the same. The feeling isn't.

"What's your monthly budget?" is the most profitable question a salesman asks. The moment you answer it, you've handed over control of every other variable — purchase price, loan term, interest rate, trade-in value. A dealer can hold a payment flat while adding to the purchase price simply by extending the loan term. You leave thinking you got a deal. The total cost tells a different story.

Window tint, paint sealant, nitrogen fill, wheel locks, door edge guards. Pre-installed on the vehicle and presented as non-removable. The dealer's cost for these items is typically a fraction of what buyers are charged. They're framed as "already done" so declining feels awkward. Almost none of it is actually non-negotiable. Almost all of it is margin.

💡

The dealership runs this process every day. You do it once every few years. That gap is their business model.

Not because they're uninformed. Because they're operating in an environment purpose-built to defeat them. The dealership runs this process thousands of times a year. You do it once every few years. That asymmetry is the business model.

Stop Overpaying — Get My Deal Negotiated

What OTD Integrity Does

We negotiate your entire deal
before you walk in.

You find a car you like. We handle everything else — price, trade-in, backend products, the whole deal. By the time you arrive at the dealership, there's nothing left to negotiate. You sign what's already been agreed to and drive home.

No waiting. No pressure. No last-minute surprises in the finance office. Your job is to show up and pick up your keys.

Schedule a Discovery Call

Your Deal — Before vs. After

WithoutWith OTD

Time at dealership3–6 hrs~30 min

Finance office pressureHighNone

Rate markup riskYesNegotiated

Trade-in lowball riskYesHandled

Dealer add-onsCommonChallenged

Deal visibility before signingNoneFull

🔒 Your SSN given to dealerYesNever

By the Numbers

What this actually protects.

Every item below is a real line item in a car deal where dealers make money at your expense. We handle all of them.

Rate Markup Risk

Rate Markup (Dealer Reserve)

Your lender approves you at one rate. The dealer quotes a higher one. The spread is called dealer reserve — it's legal, it's never disclosed, and it goes straight to the dealer. We identify your approved rate and negotiate it flat before you sign.

Trade-In Variance

Trade-In Undervaluation

Dealers appraise your trade low, then use it as a negotiating lever throughout the deal. We handle trade valuation separately — before any purchase price discussion — so the numbers can't be blended against you.

Backend Product Exposure

Backend Products & Add-Ons

Extended warranties, GAP, paint protection — each presented at inflated margins during the finance office close. We evaluate every product at fair value and advise you on what's worth keeping and what isn't, before you're sitting across from the finance manager.

3–6 hrs

Time Lost at the Dealership

The average total time buyers spend in a dealership on purchase day. OTD Integrity clients come in for a scheduled signing appointment. In and out in under 30 minutes.

$1,000

OTD Integrity Flat Rate

Everything above — negotiated, handled, and delivered as a signed purchase order before you arrive — for a single flat rate. Backed by our Verified Process Assurance. See Pricing for details.

What I Make from the Dealer

No dealer payments. No commissions. No kickbacks. We are paid by you and accountable only to you. That independence is what makes every number we negotiate real.

How It Works

Six steps. Most of them are mine.

Your involvement is minimal. Our involvement is total. That's how this works.

Get Pre-Approved

Get pre-approved through your credit union. Your financing is set before we start.

Call Me

We talk through your budget, vehicle needs, timeline, and what matters most to you.

Test Drive & Leave

Drive the vehicle you're interested in. Then walk out. Do not negotiate. That's our job.

I Negotiate Everything

Price, trade-in, add-ons, backend products — we handle all of it. Remotely. By phone.

Review Your Deal

You receive a fully negotiated, dealer-signed purchase order. Review every number before you commit.

Sign & Pick Up

One scheduled appointment. E-sign or 20 minutes in the finance office. Hand over a check. Drive home.

🔒

A Core Part of What We Do

Your personal information never goes to the dealership.

Your SSN, pay stubs, and financial documents stay with your credit union — not the dealer. The dealer receives your driver's license and insurance card. Nothing else. Ever. This alone eliminates one of the most common pressure tactics used in the finance office.

The Team Behind OTD Integrity

Two insiders. One mission.
Your deal, protected.

Between us, we've sat on every side of the car deal — the sales floor, the finance office, and the negotiating desk. We know every move they'll make before they make it.

Jeremy

Co-Founder · OTD Integrity · Layton, UT

Why This Works

You're negotiating against a system
designed to take your money.
We dismantle it.

I spent 12 years inside dealerships — as a sales associate, finance manager, and F&I Director. I set the rates. I structured the payments. I sold the backend products. I watched buyers leave having paid far more than they understood, and I knew exactly how it happened.

That operational knowledge is now applied in reverse. We know which numbers are real and which are inflated. We know what dealers will move on and what's theater. We know how to structure a deal that closes — at a price that's actually fair. There is no tactic used against our clients that one of us hasn't personally executed.

OTD Integrity exists because we both got tired of watching it happen. Together, we cover every angle of the deal — front end, back end, financing, and trade. You don't face the dealership alone. You have two people who know exactly what they're doing, on your side.

12 Yrs

F&I Experience

60%+

VSC Close Rate Built

Dealer Affiliation

Jaron — Sales & Deal Structure Specialist

He was inside the machine
trained to work it against you.

Jaron spent years on the sales floor and in deal structuring — where his commission was directly tied to how high he could sell a vehicle and how low he could go on a trade-in. That wasn't incidental to his job. It was the job. The system rewarded him for exactly that.

He knows every line on a purchase order that can be inflated. He knows how trade-in conversations are managed to cloud the real number. He knows how vehicle pricing is anchored so that any movement feels like a win — even when it isn't.

Now he uses that knowledge to make sure none of it happens to you. When Jaron reviews your deal, he sees it from the side of the person trying to take money from you — and shuts every one of those doors.

Sales

Floor Experience

Deal

Structuring Specialist

Max

Extraction — Reversed

Jaron

Sales & Deal Structure Specialist · OTD Integrity

🤝

Together, we are OTD Integrity.

Jeremy covers financing, rate structure, F&I products, and back-end negotiation. Jaron covers vehicle pricing and trade-in valuation. Between us, there is no part of a car deal we haven't worked from the inside. That's the team negotiating for you.

The Dealership Playbook

The finance office is the most profitable room in the building. That's not an accident.

The four hours you spend waiting aren't dead time. They're a strategy. Here's what's actually happening while you sit there.

The Wait Is the Weapon

Dealerships profit more from financial fatigue than from car sales. By hour three, your decision-making quality has dropped dramatically. You become agreeable. That's when the finance manager meets you.

Monthly Payment Is a Trap

When you agree to a monthly payment, you've lost the negotiation. The dealer controls every other variable — price, term, rate, trade. The payment looks acceptable. Everything behind it doesn't.

The F&I Office Is a Second Sale

The finance office isn't where you sign paperwork. It's where significant additional revenue is generated — often as much as the front-end sale. A trained finance manager presenting products to a buyer who is mentally done negotiating is working in a highly structured environment. The buyer typically is not.

Your Pre-Approval Disappears

You walked in with financing from your credit union. The dealer will offer to "check if they can beat it" — and run your credit through multiple lenders, collecting your SSN in the process. We eliminate this entirely. Your credit union rate is your rate. Your SSN never touches the dealer's system.

✦

OTD Integrity closes these windows before you walk in.

The deal is negotiated before you arrive. The finance manager has a scheduled appointment and a completed purchase order. There's no open negotiation, no payment anchoring, no last-minute add-ons. And your personal information — SSN, pay stubs, financials — never goes to the dealership. Ever. You arrive for a scheduled signing — not a sales process.

Honest Answers

Every question you're probably thinking.

If something's stopping you from moving forward, it's probably one of these.

You can. Most people do. The dealer runs this process every day. You do it once every few years. We've sat on both sides of this table — and we're here to close that asymmetry for you.

Dealers work with consultants all the time. They want to sell cars. Our job is to negotiate — not obstruct. We approach every deal the same way we would from inside: professionally, with documentation, and with a clear deal structure. If a dealer is uncooperative, we move to the next one. There is no shortage of dealers who will take a funded deal with a signed PO.

Not at all. The deal isn't done until you've signed the purchase agreement and financing documents. Even if you've shaken hands and picked a number, we can review what you've been offered, identify what's inflated, and push back before you're locked in. Don't sign anything until we talk.

No. Trade-in negotiation is one part of what we do, not the whole thing. We still negotiate price, rate, backend products, and dealer add-ons on every deal. Most of the money is in those areas anyway — the trade is just one more number they try to confuse you with.

Our fee is $1,000 — one flat rate for full negotiation across price, trade-in, rate, and backend products. We back our process with the Verified Process Assurance — if you believe the process wasn't executed as described before you sign anything, you can request a refund under the conditions in our Client Service Agreement. There is no risk to trying, and significant risk to going in without professional representation.

It means we stand behind our process — not a specific dollar outcome. If you believe our documented process wasn't delivered as described (benchmarking, negotiation, add-on review, purchase order delivery), and you raise that in writing before signing any documents, you can request a full refund under the eligibility conditions in the Client Service Agreement. What it doesn't mean: if the dealership won't budge on price, or you just change your mind, those aren't process failures — those are outcomes outside our control. We negotiate hard. What the dealer agrees to is their call.

Pricing

One service. One price. Nothing hidden.

Flat rate. No commissions from dealers. No upsells. No surprises.

Full OTD Integrity Service

$1,000

Per vehicle. Paid before we begin. No dealer payments. Ever.

✦ Verified Process Assurance

If you believe our process was not executed as described — and you meet the documented eligibility conditions — you may request a full refund before signing. See our Client Service Agreement for complete conditions.

Everything included.

One fee covers everything from our first conversation to the moment you pick up your keys.

Vehicle recommendation based on your needs, budget & reliability data
Full price negotiation against real market data
Trade-in valuation and negotiation — handled before price discussion
Credit union financing prioritized — rate markup identified and negotiated on your behalf
Backend product evaluation at fair value, not dealer margins
Dealer add-on review — detected, challenged, and removed where possible or disclosed before you approve them
Fully signed purchase order delivered before you leave home
🔒 Your SSN and financial documents never given to the dealership — this is a core part of our process, not a footnote
Available by phone throughout your entire deal