My Car TermsGet Started
Buy a car on your terms

You set the terms.
Dealers respond if they can meet them.

My Car Terms flips the traditional car-buying script. Instead of walking onto a lot and negotiating from scratch, you submit the vehicle you want along with the terms you're willing to buy on — target price or monthly payment, trade-in, timing, and location. Local dealers see your request and only reach out if they can meet your terms.

Find my car →How it works

Buyer-driven, not broker-driven

We're not a broker and we're not negotiating on your behalf. You define what a good deal looks like to you. Dealers who can hit your number choose to respond; dealers who can't, don't. That keeps the conversations focused and saves everyone time.

How it works

Fill out a 2-minute request: vehicle details, target price or monthly payment, zip code, travel radius, optional trade-in, and how soon you want to buy. We verify your phone via text, then route the request only to dealers serving your area. Interested dealers contact you directly by call, text, or email.

  • Submit your terms once — reach multiple dealers
  • Shop by total price or monthly payment
  • Dealers only reach out if they can meet your terms
  • Free for buyers, zero obligation to purchase

Why this works in your favor

When dealers know they're competing for buyers who have already stated their terms, the offers that come back tend to be sharper from the start. You skip the opening-offer game and only spend time on dealers who can actually deliver on what you want.

Ready to let dealers compete for you?

Free for buyers. Takes about 2 minutes.

Find my car →

Frequently asked questions

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.