DealShift – Ownership & Equity Twin

Proposed unit

2026 Buick Encore GX AWD Preferred

#2-48134

Odometer

11,604 mi

Fuel economy

27 MPG

26 city / 28 hwy

Maintenance

$58/mo

On lot

39 days

Location

S · S

Engine

Gas 1.3L

VIN KL4AMCSL0TB008832

Market Book ValueRetail $36,320·Clean Trade $32,385

Priced $12,321 below market retail

Desk

Deal structure

Market Book Value: $36,320 retail · $32,385 clean tradePriced $12,321 below market retail

Selling price

Cash down

Trade value

Trade payoff

Net trade +$0

APR

Term

ZIP code (sales tax & gas)

Sales tax

Title & fees

Unit MPG

mpg

Unit maint.

$/mo

Trade lowers taxable priceOn in NY and most states

Sales tax$1,920

Amount financed$23,794

Loan-to-Value (LTV) vs. Clean Book ($32,385)

74% LTV(26% under book)

High approval odds

60%100% Book115%125% Cap140%

Financed 26% under book — qualifies for prime lender tiers.$15,068 room under 120% cap

Today

Customer's current car

Look up their car

▾

Daily driving

15,330 miles a year · value drops ~16%/yr

mi/day

Current payment

$/mo

Current MPG

mpg

Current repairs

$/mo

ZIP code

Gas price

$/gal

Insurance change

Estimated monthly change · adjust if customer has a carrier quote

$/mo

Loan Payment

Monthly

$405/mo

+$405/mo

Running Costs

Gas +$163 · Maint +$58

Adds $221/mo

Feels Like Payment

After gas, repairs & insurance

$626/mo

Adds $626/mo

Outflow & equity timeline

Month 12Month 24Month 36Month 48Month 60Month 72

Side by side

Total monthly outflow

Current car$0/mo

Payment $0Gas $0Repairs $0

Stock #2-48134$626/mo

Payment $405

Gas $163

Repairs $58

Payment $405Gas $163Repairs $58Insurance + $0

$626/mo more — $21 a day

Depreciation twin

Equity crossover

Positive equity at month 37

Est. trade value Loan payoff

Value drops about 16%/yr at 15,330 mi/yr (faster: 3,330 over the 12,000 baseline)

Compare terms

With $1,000 more down: $388/mo and equity at month 32 (5 months sooner)

#2-48134 2026 Buick Encore GX

Month 36

Equity−$32

Odometer 57,594

Drag across the chart, use the slider, or tap a milestone

Month 36 (Year 3.0)-$32 upside down

Est. value

$13,088

Loan payoff

$13,120

Odometer

57,594mi

Say it like this

Closing talk track

Right now you're spending about $0 a month on your current car: $0 payment, $0 in gas and $0 in repairs. In the 2026 Buick Encore GX AWD Preferred, your payment would be $405. At 27 MPG you spend $163 more on gas, and maintenance rises by $58 a month. All in, that's only $626 a month more out of pocket — about $21 a day — for a newer, warrantied vehicle. And by month 37 you're building positive trade equity.

Real cash flow

−$626/mo

$626/mo feels like

Deal switches

Trade tax credit (8%)Customer View (Alt+C)Pin current deal

Sales tax$1,920

Amount financed$23,794