How does Motrix work?

You tell Motrix the car you want. We contact multiple dealers for you — by email, voicemail and web form — strip every junk fee, and negotiate your out-the-door price in writing. You approve the final number and sign. You never sit across from a salesperson.

What does Motrix cost, and when do I pay?

$0 upfront. You only pay when Motrix lands you a deal you actually sign — $399 for the Deal tier (done-for-you), $799 for Pro (a dedicated human on your deal), or $1,499 for founder-led Concierge. If it does not close a deal you sign, you pay nothing.

Do I have to talk to the dealer at all?

Never. Motrix handles all communication. The only thing you sign is the final contract.

How long does it take?

It is dealer-paced. Across Motrix deals to date the median first written quote arrives in about three days, and deals close over the following one to four weeks. Outreach starts right after your brief is filed and every dealer is worked in parallel.

Does this work for used cars too?

Yes. Motrix works for new, used, and CPO vehicles. Used car negotiations use different tactics — we focus on vehicle history, condition-based pricing, and market comparables rather than MSRP.

What if I have a trade-in?

Enter your license plate number in the brief. We automatically pull your vehicle's value from KBB, Carvana, and CarMax. We negotiate your new car price first, then your trade separately.

Is Motrix a car broker?

No. Motrix is a negotiation facilitation service. We're not a licensed dealer or broker — we're an AI agent that negotiates on your behalf. You make every final decision.

What does Motrix actually do?

Motrix is an autonomous AI agent that contacts car dealers on your behalf and negotiates the entire deal. You submit a brief about the vehicle you want, and the agent handles every dealer interaction — emails, SMS, fee disputes, price counter-offers — until it surfaces a final deal for you to review and sign. You never have to talk to a dealer.

Is Motrix a car broker or dealer?

No. Motrix is a negotiation facilitation service. We're not a licensed dealer or broker. We act as an AI agent representing the buyer's interests. The buyer makes every final decision and signs the contract directly with the dealer.

How does $0 until you sign actually work?

On every paid tier (Deal $399, Pro $799, Concierge $1,499), you pay nothing upfront. The fee only applies if you choose to sign the contract Motrix brings back. If we can't find a deal that works, you pay nothing. 30-minute money-back window after purchase for any reason.

Can I use Motrix for used cars?

Yes. Motrix handles new, used, certified pre-owned, and lease deals. The fee structures and negotiation tactics adapt to the vehicle type — the brief flow asks which condition you want.

What's in the Concierge tier?

Concierge is founder-led negotiation. Founder Jimmy Sturdivent personally handles every step from your first inquiry to your signed contract, with AI agents working alongside. Includes trade-in coordination, financing review, insurance shopping, and delivery logistics. 24-hour SLA on every touchpoint. Concierge is $1,499 and is the one tier paid to start, because the founder personally runs it.

← THE DISPATCH

financeguideAPR 18, 2026 · 10 MIN

Lease vs Buy in 2026: The Math Nobody Shows You

The Real Cost of Leasing vs Buying

The lease vs buy debate is full of bad advice from people who've only done one or the other. Here's what the math actually says.

Leasing: The Real Numbers

A typical lease on a $40,000 vehicle: - Monthly payment: $450/mo (36 months) - Down payment: $2,000 - Total cost after 3 years: $18,200 - What you own: Nothing

But that's not the whole picture. Leasing also means: - Lower insurance costs (sometimes) - No repair costs (warranty covers everything for 3 years) - No depreciation risk - Sales tax only on payments, not the full price (in most states)

Buying: The Real Numbers

The same $40,000 vehicle purchased: - Monthly payment: $720/mo (60 months at 6% APR) - Down payment: $5,000 - Total cost after 5 years: $48,200 - Vehicle value after 5 years: ~$20,000 - Net cost: $28,200 over 5 years ($5,640/year)

When Leasing Wins

You drive fewer than 12,000 miles/year
You want a new car every 2-3 years
You don't want to deal with maintenance or repairs
You need lower monthly payments for cash flow
You're a business owner (lease payments are tax deductible)

When Buying Wins

You drive 15,000+ miles/year
You keep cars 5+ years
You want to build equity
You modify your vehicles
You have good credit and can get low APR (under 4%)

The Hidden Costs of Leasing

Mileage overage: Most leases cap at 10,000-12,000 miles/year. Every mile over costs $0.15-$0.30. Drive 15,000 miles/year on a 10,000-mile lease and you'll owe $4,500 at turn-in.

Wear and tear: Anything beyond "normal wear" gets charged at turn-in. A small dent, curb rash on a wheel, or stained seat can cost $500-$2,000.

Disposition fee: $300-$500 charged at lease-end just for turning the car back in.

Gap insurance: If you total a leased car, you owe the remaining payments plus the residual. Gap insurance covers this — and it should be included, not sold separately.

The Third Option: Buy and Sell at 3 Years

If you can get a low APR (under 4%), consider buying and selling at the 3-year mark. You avoid lease restrictions, build equity during the ownership period, and can sell privately for more than a dealer trade-in.

The math often works out better than leasing — especially if the car holds value well (Toyota, Honda, Porsche).

Use Deep Scan to Decide

Motrix's Deep Scan shows you the 1-5 year cost of ownership for any vehicle, including lease vs buy comparisons with current rates. It's the fastest way to see which option actually saves you money.

Not sure which is right for your situation? Run a Deep Scan for a full cost breakdown, or ask our AI concierge for personalized advice.

§ HAND IT OFF

Stop negotiating. Start winning.

Motrix AI agents fight every fee and get you the lowest price — you never talk to the dealer.

FILE A DEAL BRIEF →RUN A DEEP SCAN

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