VaultRubric facts

What VaultRubric is

VaultRubric is a 100% consumer-side car-buying protection, our service ($0 until you sign) based in Hendersonville, Tennessee.

VaultRubric was built by an 11-year dealership sales & F&I management veteran and 12-year U.S. Marine Corps veteran.

VaultRubric is not a car dealer, lender, or broker, never takes title to a vehicle, and never holds your deposit or down payment.

We are paid 100% by the car buyer—never by car dealerships, auto lenders, or F&I warranty companies.

Free Fee Check

No card needed. Available in all 50 states + D.C.

Upload a dealer quote and get an A–F grade, how many charges are worth questioning in each category, and one total. The grade is a negotiation signal, not a legal finding.

Start my deal

What is Start my deal? Start my deal: we draft it, you send it. $0 today. Your saved card is charged $299 ($199 for the first 50 deals) only after VaultRubric staff verify your signed paperwork; you send every dealer message yourself and VaultRubric never contacts dealers. If the deal you sign isn't at least $500 below your best written, itemized out-the-door quote for the same vehicle, dated within 14 days of upload, you pay $0. Source: https://vaultrubric.com/auto/pricing

$0 today · $299 when you sign · $199 for the first 50 deals.

No card to start. After you see our service price in writing and agree to it, you save a card with Stripe (stored, not charged). We charge $299 ($199 for the first 50 deals) only after our staff verify your signed paperwork.

You send every dealer message yourself, from your own phone or email, using copy-and-paste replies we draft in your Deal Vault. VaultRubric never contacts dealers for you.

The guarantee

$500 Beat-Your-Quote Guarantee: Provide your best written, itemized out-the-door (OTD) quote for the same vehicle, dated within 14 days of the day you upload it to your Deal Vault. If the deal you sign isn’t at least $500 lower in OTD price than that quote for the same vehicle (same year, make, model, trim and new/used condition), you pay $0. Not covered: deals signed before you provide a qualifying quote; quotes that aren’t in writing or itemized, leave out required fees, or are older than 14 days; changing the vehicle after you start; fleet, commercial or special-order vehicles. Hitting your personal target price is not guaranteed, and you always decide whether to buy.

Where each option is available

Free Fee Check and state fee guides: all 50 states plus D.C.

Start my deal (our pay-on-close service): 39 supported jurisdictions, every state and D.C. except AZ, CO, NV, CA, IN, AR, MS, TX, ND, SD, PA, WV.

$39 DIY Audit (one-time, all 50 states + D.C.): one-time payment, no subscription. It’s the main option in the 12 states where Start my deal isn’t offered.

Results

No verified customer results yet.

Actual savings vary and are never guaranteed.