Free · No credit check · 2 minutes

Know your chances.
Win the deal.

Tell us about the car you want and find out exactly how to get approved — and how to negotiate the best price before you step foot in any dealership.

Works with any listing site · Results in under 2 minutes
$2,400+
Average saved by buyers who negotiate
Free
No account or credit check needed
2 min
From paste to your full strategy
How it works

Three steps to walking in ready

No forms that feel like a loan application. Just a straight conversation that gives you a real strategy.

1

Tell us about the car

Enter the year, make, model, price, and mileage. Simple fields that take 30 seconds — no account or credit check needed.

2

Answer 4 quick questions

About your income, credit history, savings, and job situation. No judgment — just the facts we need to go to bat for you.

3

Get your full strategy

See your real approval chances, what's holding you back, moves that improve your odds, and what to say when you negotiate.

Paste a link. Get your strategy.

Enter the car details and get your full approval strategy in under 2 minutes.

Caryos
Caryos
Hey! Tell me about the car you're looking at and I'll show you exactly how to get approved.

The car you want

Step 1 of 2
Caryos
Now — where's your credit history at? Be honest, no judgment here.
Just starting out or rebuilding
Some bumps, working on it
Pretty solid, no major issues
Caryos
How much of your monthly paycheck already goes to rent, cards, or other loans?
Less than a third
About half
More than half
Caryos
Any money saved to put toward the car upfront?
Nothing right now
$500–$2,000
$2,000 or more
Caryos
Last one — how stable is your job situation right now?
Same job over a year
New job or self-employed
Between jobs right now
Caryos
Here's your full picture — and your next moves.
Your approval chances right now
Based on your car
0%
LowModerateStrong
What lenders are seeing
Small moves, big difference
Tap any option to see how it changes your chances
Caryos
Here's exactly what to say when you walk in. Screenshot this.

Your negotiation playbook

Your car
"I'm focused on the total price of the car, not the monthly payment. What's the best you can do today?"
"What's the actual rate the lender approved me for — before any markup? I have a competing offer and I'd like to compare."
"I'm going to pass on all of that today. Let's just lock in the car price and loan terms first."
"I'm ready to sign today if we can get to [your number]. Otherwise I'll check out the other dealer this afternoon."

Walk in knowing exactly what to do.

The Car Buyer's Plain English Guide

This guide walks you through everything — how lenders actually decide yes or no, what to say at every moment in the dealership, and how to protect yourself after you buy. Written in plain English so anyone can understand it, not just people who already know finance.

5 chapters · Instant PDF download · Yours forever
$19 $49 Launch price
One-time · Instant PDF download
Get the guide for $19 →
PDF works on any device · No account needed

"The negotiation scripts alone saved me $2,400. I printed page 4 and kept it on the desk in front of me."

Priya M. — Dallas, TX

"I had no idea dealers could mark up my interest rate. That chapter alone is worth 10x the price."

Jordan L. — Chicago, IL

"Read it the night before buying my car. Walked in calm, knew exactly what to say. Best $19 I ever spent."

Marcus T. — Atlanta, GA

Everything before you buy

Any car, any source

Looking at a car from any site or dealership? Just enter the details and we run the real numbers lenders use.

Approval strategy

Know your real chances before any lender pulls your credit. See exactly what's helping and hurting you.

What-if simulator

Tap any move — more down payment, cheaper car, co-signer — and watch your odds update instantly.

Negotiation playbook

Word-for-word scripts for every moment in the finance office. Don't walk in blind.

Plain English only

No APR, DTI, or LTV. Every term explained like a smart friend — never a bank form.

Full PDF guide

Take the complete strategy with you. 5 chapters, instant download, yours forever for $19.

Real stories

People who walked in ready

"I had no idea I was so close to getting approved. Caryos showed me exactly one thing to change — I did it and drove home that same week."
Marcus T. — Atlanta, GA
"The negotiation playbook saved me $2,400. I walked in knowing exactly what to say and the dealer couldn't shake me."
Priya M. — Dallas, TX
"Every other app told me my credit score. Caryos told me what to actually do about it. That's the whole difference."
Jordan L. — Chicago, IL

Be first when new features drop

Get notified when we launch lender matching, the full mobile app, and more. No spam ever — just real updates.

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