Sample Deal Review — paid features are shown for illustration; this is not a real quote.

Theia Deal Review

The same review structure your real scan will use

Deal Snapshot

Sample

Vehicle

2024 Toyota RAV4 XLE

Condition

Used

Deal Type

Finance

Sale Price

$30,500

APR

6.90%

Term

60 months

Monthly Payment

$605/mo

Down Payment

$3,000

Credit Tier

Good

Score & Verdict

Sample
75/ 100
Grade C — Mixed or Incomplete

This is a fair deal with useful strengths and open questions. The 6.9% APR is below Experian's Q1 2026 national average for good credit on a used auto loan. The $1,850 in accessories and $1,295 in fees should be itemized, and the vehicle price cannot be judged without mileage, history, and comparable listings.

What Matters Most

Sample
1

Review accessories

$1,850 in accessories or add-ons is included. Ask for each item, price, and contract term in writing, then request removal or a price adjustment where the agreement permits.

2

Itemize fees

$1,295 in dealer and document fees is included. Ask for a line-by-line list and verify which charges are dealer-imposed versus government-required.

3

Confirm the APR

The 6.9% APR is below the 8.77% Experian Q1 2026 national average for good credit on a used auto loan. Confirm the exact APR and amount financed in writing.

Numbers Check

Sample

Expected payment on $30,645 financed at 6.9% for 60 months is about $605 per month. The sample deal shows $605 per month, so the entered numbers are consistent, with $1,850 in add-ons and $1,295 in fees included.

Dealer Fees

$1,295

Add-ons

$1,850

Market Context

Sample

Experian's Q1 2026 national average APR for good credit on a used auto loan is 8.77%. The sample APR is 6.9%, or 1.87 percentage points lower. No vehicle-price market comparison is shown because mileage, history, location, and comparable listings are not provided.

Source: Experian State of the Automotive Finance Market, Q1 2026.

Action Plan

Sample
Ask for a buyer's order showing the 6.9% APR, amount financed, term, and every fee before signing.
Review the $1,850 in accessories item by item and request removal or a written price adjustment where permitted.
Verify the $1,295 in fees against the itemized buyer's order and current official guidance for the purchase state.

Dealer Script

Sample

“Please show me a written buyer's order with the 6.9% APR, full amount financed, every fee, and each accessory listed separately. I would like to review and adjust any dealer-added items before I sign.”

Copy this and adapt it to the written figures in your deal.

Ask Theia — Preview

Preview

The live coach answers questions about your exact deal.

What's the most important thing to negotiate first?
Is the dealer fee negotiable?
Should I put more money down to lower the payment?

$8.99 includes one hour; the 45-Day plan includes unlimited coaching.

Practice Mode

Locked

Role-play the negotiation with Theia before you go to the dealership.

Practice Mode is included with the 45-Day plan.

TheiaScan is an automotive deal-analysis and coaching tool, not a lender, dealer, credit bureau, attorney, or financial advisor. Results depend on the information provided. Verify all figures and terms against the final written contract before signing.

Ready to scan your own deal?

Run one limited preview without creating an account.

No credit card required · Manual entry · About 2 minutes