Lease or finance your next car without the dealer games
We ask every dealer of the brand in Florida at once, check every line of the contract and deliver the car to your door. In most cases the dealer pays us — our service costs you nothing.
- No obligation
- First call is free
- No SSN to start
Brands we work with
Your side of the table
A dealer earns more when you pay more. We don't.
The dealer pays us
In most cases our service costs you nothing.
No dealer pressure
You never sit across from a salesperson.
Every line checked
We audit the contract before you sign it.
Done for you
Search, negotiation, paperwork, delivery.
Any make, any model
Nearly every dealer in Florida.
Five steps from first call to keys
Your part is one call and one signature.
Tell us the car
A 2-minute form or one call. Lease or finance, budget, timing.
We collect offers
The same request goes to every dealer of the brand at once.
We check every line
Money factor, residual, fees, add-ons — before you see a contract.
You approve and sign
The bank checks credit in its own secure system — not on our site.
Car at your door
Delivered with tags, anywhere in Florida.
From the dealer to your driveway
Real Facto deliveries, photographed by us. No stock photos.
- Miami
- Fort Lauderdale
- West Palm Beach
- Orlando
- Tampa
- and beyond
- Door-to-doorThe car comes to you, tagged.
- Any city in FloridaThe dealer can be across the state.
- Paperwork trackedTitle, tag, trade-in payoff.
- 3–7 daysFrom the first call to keys, usually.
Why dealers don't love us
At the dealership
- Works for the dealership
- One showroom, one offer
- Talks monthly payment, hides the rate
- Add-ons in the finance office
- "This price is only for today"
With Facto
- Works for you — the buyer
- Every dealer of the brand compared
- Money factor and fees shown in writing
- Every line audited before you sign
- No pressure. You decide at home
What people ask first
How is Facto different from a dealership?
We don't sell cars and hold no inventory. We represent you: we ask every dealer of the brand for the same car, compare the offers and check the contract before you sign. The dealer wants to sell a car; we want your deal to be clean.
What does it cost?
In most cases the dealer pays us and the service costs you nothing. In roughly one deal in five the dealer can't pay — then the fee comes from you, and we say so before any work starts.
Can I get a car with no credit history or SSN?
Often yes — there are programs for first-time buyers, including approvals on an ITIN. Nobody can guarantee a bank's decision, but we know where to send your application instead of shopping it around.
Lease or finance — which is better?
It depends on your mileage and how long you keep a car. Give us those two numbers and we'll show both options side by side.
Do I have to go to the dealership?
No. Search, negotiation and paperwork happen without you, and the car is delivered to your door with tags.
Ready for your next car?
- First call is free
- No obligation
- No SSN to start