My Car TermsGet Started
Reverse the dealership game

Let local dealers compete for your next car.

Name the car and the price you want. We help connect you to local dealers interested in your terms — so you negotiate from strength without crawling a lot.

Find my car →How it works
Verified dealers only
Competitive offers only
Always free for buyers
Tell us what you want

Describe your next car

Takes about 2 minutes. Dealers in your area will reach out only if they can make a competitive offer based on your terms.

Step 1 of 4· Vehicle25% complete
1

The vehicle you want

Any specific features or packages you're interested in?

Out-The-Door Price Calculator

Sales tax, title, registration, and doc fees can add thousands to the sticker price. Use this tool to estimate your true out-the-door cost — then let dealers compete to beat it.

Estimation Tool Only

This calculator uses statewide average rates and typical fee estimates. Results are not a quote, not a guarantee, and may not reflect your actual purchase costs. Sales tax rates vary by county and city. Title, registration, and doc fees vary by dealer and vehicle type. Always confirm final fees with your dealer before signing. My Car Terms is not responsible for discrepancies between these estimates and actual charges.

Your numbers

All fields update results instantly.

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Estimated breakdown

Pick a state to see fees and taxes.

Vehicle Price
$0
Sales Tax (est. 0.00%)
$0
Title Fee (est.)
$0
Registration Fee (est.)
$0
Doc Fee (est.)
$0
Est. Out-the-Door Total$0

* All figures are estimates based on statewide average rates as of 2025 and are provided for general informational purposes only. Actual costs will vary based on your county/city tax rate, vehicle type, model year, dealer fees, and other factors. This tool does not constitute a price quote or financial advice. My Car Terms makes no representations or warranties regarding the accuracy of these estimates. Always verify all fees and charges directly with your dealer prior to purchase.

Ready to get this deal? Let dealers come to you.

Submit your target price on My Car Terms — verified local dealers reach out only if they can meet your terms. Free for buyers, zero obligation.

Submit My Target Price →

Built for buyers, not lots.

One Form. Zero Pressure.

Dealers come to you

Stop visiting lots. Verified dealers see your request and reach out if they can provide a competitive offer.

Your price, your terms

Set a total price or a monthly payment ceiling.

Local to your radius

Match with dealers inside the travel radius you choose — 10 miles or 500.

How My Car Terms Works

Three steps. No lot crawling.

01

Describe your car

Make, model, trim, price range or monthly target.

02

Set your radius

Tell us your zip code and how far you'll travel.

03

Receive offers

Verified dealers reach out only if they can make a competitive offer based on your terms.

Got questions?

Frequently Asked Questions

Everything you need to know about finding your next car with My Car Terms.

How do I get dealers to compete for my business?
Submit your car request on My Car Terms with the make, model, trim, and target price. Verified local dealers see your request and reach out if they can make a competitive offer.
How is My Car Terms different from walking into a dealership?
Instead of negotiating with one salesperson on their turf, you submit what you want and multiple verified local dealers compete to win your business. You start the conversation with multiple interested dealers – a much stronger position than a single lot visit.
How do I negotiate a new car price without going to the dealership?
Set your target price and timeline, and let multiple dealers reach out by call, text, or email. You negotiate from a position of strength because dealers know they are competing for the deal.
Is My Car Terms free to use?
Yes, My Car Terms is completely free for car buyers. There are no hidden fees, subscriptions, or obligations. You describe what you want, and dealers reach out if they can make a competitive offer.
What information do dealers see?
Dealers see the car details, your budget, trade-in information, travel radius, and how soon you are looking to buy. Your contact information is only shared with dealers who choose to reach out with a competitive offer.
How will dealers contact me?
Your email address is verified with a one-time confirmation link after you submit a request, then dealers reach out by call, text, or email.
Am I obligated to buy from any dealer that contacts me?
No. There is zero obligation. You are in complete control. You can decline any offer, negotiate further, or simply walk away at any time.
Can I use My Car Terms if I have a trade-in?
Absolutely. The form includes an optional trade-in section where you enter your current vehicle's details so dealers can factor that into their offers.
What types of vehicles can I request?
You can request new or used cars, trucks, SUVs, and more. Simply enter the make, model, and trim you are looking for.
How is this different from CarGurus, AutoTrader, or Cars.com?
These sites list inventory and you contact dealers one by one. My Car Terms reverses it: you submit what you want and dealers compete to win your business.
Get Started →