Shane is the owner of VaultRubric. He has spent years in automotive dealership sales operations and management, where financing, loans and the fine print on rates and fees are part of everyday work, and he served in military leadership roles.
Shane reviews VaultRubric's guides and comparisons before and after they go live: that each pick matches the published method, that rates and fees link to the provider's own page, and that the page says plainly what we couldn't verify.
Some links on VaultRubric are partner links that may pay us. They never change a pick, a rank or a score. Providers cannot pay to be included or ranked. See our disclosure.
If something is wrong or out of date, email laws@mail.grokbot.com. We fix confirmed errors and note them on our corrections page.
VaultRubric publishes facts and math, not personal financial advice.
Best way to use this: trust the numbers you can check. Every pick shows its math and links the official source with the date checked.
The math:
Sources: the sources linked on each page.
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.