My Own Car Guy

10/16/2026

10/11/2026

10/09/2026

The money factor is one of the most consequential numbers in a lease deal. It is also one of the least explained.

Think of it as the lease equivalent of an interest rate. The manufacturer's captive lender sets a "buy rate" — what they actually charge for the financing. But dealers are permitted to mark it up, and the markup goes directly into their pocket. On a $50,000 vehicle with a 36-month lease, a money factor increase of just .0010 adds roughly $1,800 in extra charges over the lease term. Most people signing that contract never see it.

The conversion is straightforward: multiply the money factor by 2,400 to get the approximate APR equivalent. If the rate your dealer is quoting does not reconcile when you do that math, the money factor is almost certainly where the gap lives.

This is not an accusation — it is how the system is designed. Dealers are in the business of maximizing per-unit profit, and financing is one of the most reliable ways to do it without touching the selling price. The monthly payment conversation keeps buyers focused on the wrong number.

An independent broker works differently. The buy rate for your deal is known before the conversation starts, and there is no upside in marking it up. That is the difference between someone who sells cars and someone who represents the person buying one.

My Own Car Guy | myowncarguy.com

10/03/2026

Never worked in a dealership. That matters.

My only agenda? Helping you save money and skip the stress. No hidden tricks. No showroom games. Just honest guidance, every step.

If you want a car-buying ally—not a salesperson—let’s talk.

My Own Car Guy | myowncarguy.com

09/29/2026

This 2027 BMW M3 competition X Drive just became available first application gets it

09/28/2026

The finance office is where dealerships make their real money — and most buyers never see it coming.

By the time you have fallen in love with a car and agreed on a monthly payment, the finance manager's job is to rebuild the deal. Extended warranties you may not need. Paint protection packages already applied to the vehicle. GAP insurance at twice the rate your own insurer would charge.

This is not an indictment of the industry. It is simply how the business is structured.

As a personal auto broker, my job is to sit on your side of the table — before you ever step foot in a showroom. I negotiate the numbers upfront, know which add-ons are worth considering and which to decline, and make sure you are never caught off guard in the back office.

If you are planning to buy or lease your next vehicle on Long Island or in the greater New York area, let's talk first. A 15-minute conversation can save you thousands.

My Own Car Guy | myowncarguy.com

09/23/2026

Now hiring sales and driver help. 516-984-1059

09/19/2026

Smiles for miles

09/01/2026

We're hiring! 🚗

My Own Car Guy is looking for a Sales / Client Advocate to join our team on Long Island.

If you're a people person who's organized, self-motivated, and wants to help people get into a new car without the dealership stress — this could be the fit.

No games. No pressure tactics. Just honest, personal service — and a real career with room to grow.

📍 Long Island, NY
📞 516-CAR-GUY1
🌐 myowncarguy.com

Know someone who'd be great at this? Tag them below or send us a message. 👇

07/14/2026

They know where to shop and not get hassled with !