Buyer's advocate, not a dealer

HoldbackHackManufacturer Cheat Codes

Holdback, invoice, incentives, and fair target prices. Know what the dealer knows.

Holdback & dealer cash data
November 2026 incentives
Negotiation step-by-step

Browse by Manufacturer

Select a brand to view lineup, holdback, incentives, lease programs, and negotiation strategy.

20 brands available

What is holdback?

Holdback is a hidden payment from the manufacturer to the dealer — typically 2–3% of MSRP — paid after the vehicle sells. It lets the dealer sell at "invoice" and still profit.

What is dealer cash?

Dealer cash is an unadvertised incentive paid directly to the dealer. It's not shown on the invoice and is often stackable with customer incentives. Always ask for it.

How to use this guide

Pick your brand, find the model you want, calculate the fair target price using our formula, then follow the step-by-step negotiation guide. Bring your own financing.