Before you sign,
audit the entire deal.
Buying a motorcycle, ATV, UTV or PWC? OTD Guard checks your actual dealer quote—selling price, dealer fees, warranties/add-ons, financing, monthly-payment math, incentives and final out-the-door price—then gives you a clear BUY, COUNTER, CHANGE FINANCING or WALK answer.
We audit the 5 places a dealer deal can change.
The advertised price is only one number. OTD Guard separates the transaction so you can see what deserves a question before you become obligated.
Advertised vs. selling price
Checks whether the worksheet still reflects the price you thought you were buying at, including financing- or rebate-dependent pricing.
Doc, admin, freight & setup
Separates manufacturer-published charges, government charges and dealer-imposed fees instead of lumping them together.
Warranties & protection add-ons
Flags service contracts, GAP, GPS, paint/fabric protection and other products so you can verify what is optional and what you actually requested.
Financing & monthly-payment math
Checks APR, term, amount financed and monthly payment for expensive financing, math mismatches and possible bundled-cost/payment-packing risk.
Final OTD & walk-away number
Rebuilds the whole transaction into a target OTD, fair range and walk-away ceiling so you can judge the deal—not just the payment.
Recent FTC auto-dealer enforcement has focused on alleged deceptive pricing, unwanted add-ons and government-fee practices. In a separate pending FTC matter, the agency describes “payment packing” as using an inflated monthly payment to hide add-on products. OTD Guard does not assume your dealer did anything improper; it checks whether your numbers and paperwork deserve questions before you sign.
Upload the quote. We check the whole transaction. You decide with numbers.
OTD Guard is a transaction-specific Price X-Ray + Finance X-Ray built for the moment before you sign.
Upload or enter your deal
Send the worksheet, buyer's order, quote PDF or screenshots—or enter the key numbers manually if that is all you have.
We audit the transaction
Price, fees, add-ons, payment math, APR, term, incentives and total OTD are separated and checked against current outside evidence where available.
Get a direct decision
See your target OTD, walk-away ceiling, financing warnings and BUY / COUNTER / CHANGE FINANCING / WALK recommendation on-screen and by email.
Not just a hidden-fee scanner. A full transaction decision.
Free calculators can estimate a payment. OTD Guard is built to audit the actual deal in front of you and show where the economics change.
Price X-Ray
Separates the advertised/selling price from freight, setup, doc fees, optional products and government charges so you can see where the OTD number grew.
Finance + Payment X-Ray
Checks APR, term, amount financed and payment math so a decent selling price cannot hide an expensive loan or unexplained bundled cost.
Evidence-backed action plan
Get source-backed findings where available, a target OTD, walk-away ceiling, fee/add-on flags, incentive findings and specific next actions.
Run a preliminary OTD and payment X-Ray now.
Enter what you have. Missing items are treated as unknown—not automatically bad. The full paid audit verifies the actual transaction and current sources.
Your preliminary deal X-Ray
Entered-rate comparison: —
Monthly payment check: —
The Complete Deal Audit verifies your submitted paperwork, checks price + fees + financing together, researches current sources where available, and returns your target OTD, walk-away number and action plan on-screen and by email.
Spend a little before you risk spending thousands too much.
Low launch pricing while OTD Guard builds its verified buyer dataset and customer history.
Free Dealer Quote Check
- Preliminary Price Score
- Preliminary Finance Score
- Basic fee/add-on flags
- Monthly-payment math check when enough data is entered
- No account required
Complete Deal Audit
- Actual quote / paperwork audit
- Price X-Ray
- Finance + payment-math X-Ray
- Dealer fee + add-on/protection-package flags
- Current incentive/source checks where available
- Target OTD + walk-away ceiling
- BUY / COUNTER / CHANGE FINANCING / WALK
- Results shown on-site + emailed
30-Day Shopper Pass
- Everything in Complete Deal Audit
- Use OTD Guard while you shop for 30 days
- Compare changing dealer offers
- Re-check improved quotes
- Final paperwork check before signing
A cheap advertised price can still be an expensive purchase.
OTD Guard checks the transaction as a system: what the machine costs out the door, what products were added, and what the financing costs after you leave the dealership.
Understand the quote before you negotiate it.
Practical, powersports-specific explainers for the fees and OTD math buyers most often need to verify.
Motorcycle dealer fees
Freight, setup, documentation fees and optional add-ons—what each line means and what to ask.
Read the guide →Motorcycle OTD calculator
Rebuild the full price and spot unexplained differences before signing.
Calculate the quote →ATV dealer fees
A buyer checklist for ATV freight, assembly, accessories and government charges.
Read the ATV guide →UTV dealer fees
Evaluate setup, destination, installed accessories, financing and the final UTV OTD price.
Read the UTV guide →Jet Ski & PWC dealer fees
Separate the watercraft, destination, prep, trailer, accessories, registration and financing.
Read the PWC guide →Built for the moment before you sign.
What exactly does OTD Guard audit?
The actual deal you enter or upload: selling price, freight/setup/doc/admin charges, warranties and protection products, financing, monthly-payment math, current incentives where available, government charges, and final OTD. The goal is to show what is known, what is questionable, and what still needs verification.
Does OTD Guard check for payment packing?
Yes—OTD Guard checks whether the quoted payment is consistent with the amount financed, APR and term and looks for unexplained bundled products in the paperwork. A mismatch is a reason to investigate, not proof that a dealer committed payment packing or fraud.
Does OTD Guard negotiate with the dealer?
No. OTD Guard is independent buyer-side analysis. It gives you evidence, a target OTD and an action plan; you decide what to submit or accept.
Do you need my Social Security number?
No. Do not upload SSNs, bank credentials, complete credit reports or driver's-license numbers. APR, term, payment, down payment and amount financed are enough for the payment/finance analysis when available.
Will you call a dealer fee illegal?
Only when a reliable official source clearly supports that legal conclusion for the specific jurisdiction and facts. Otherwise fees are classified as government-required, manufacturer-published, dealer-imposed, optional, unverified or potentially negotiable.
Is the cheapest APR always the best option?
No. Manufacturer rebates can change the total economics. OTD Guard compares price and financing separately so a low selling price cannot hide expensive financing—and a promotional rate is not assumed to be available unless it is actually supported.
Is this financial or legal advice?
No. OTD Guard provides informational transaction analysis and calculations. It is not a lender, dealer, attorney, tax professional or financial adviser.
Have a dealer quote in front of you?
Check the actual numbers before the paperwork becomes your problem. Start free, or run the $14.99 Complete Deal Audit when you want the full transaction reviewed.
Check My Dealer Quote