Question 1

How does Baywall work?

Accepted Answer

Enter your credit score, vehicle details, loan terms, and the APR your dealer offered. Baywall compares your offer to comparable transactions (similar credit, vehicle, and loan) and tells you if it is great, fair, or high. The paid report gives you your exact target rate.

Question 2

What APR should I expect with my credit score?

Accepted Answer

APR varies by credit tier and vehicle. Baywall shows what similar buyers paid in comparable deals for your profile, then gives you a target rate to negotiate toward.

Question 3

Is Baywall free?

Accepted Answer

The basic rate assessment is free. It tells you if your rate is great, fair, or high with an estimated savings range. The full report with your exact target rate costs $2.99 one-time.

Question 4

What is dealer reserve?

Accepted Answer

Dealer reserve is the markup that car dealers add to your auto loan interest rate above what the lender actually approved. It typically ranges from 1-2% and goes directly to the dealer as profit.