Can Sophie explain car financing to me?

Yes. Sophie, OffLot's AI buying guide, can explain costs by text or voice, including how APR, term and down payment change a monthly payment, and she can open vehicle pages, compare vehicles and walk you through the financing step. She gives facts rather than sales pressure and won't call a listing a good or bad deal. For decisions about your personal finances, also consider talking with a qualified advisor or your lender.