It is good to see people here using the Honcker app. That app is built off of the mGauge API from MarketScan which has the most complete and up to date database of incentives, rebates, MF and RVs. So any lender that is in play in a specific zip code will show up on that app (Captives, Credit Unions, Ally, US Bank and several other tiny 3rd party Lessors). Honkr signs up dealers who submit their inventory with their “buy it now” price on each VIN.
I think you need to submit some info in advance so Honkr can run a soft pull on your credit to see which credit tier you qualify for so they are feeding you real payment details.
@jayneo74 can you confirm that was the case with your experience with the app?
Apps like this are great companions to this forum to chase the best deals at a point in time. I expect the next iteration of this technology will add in some predictive modelling to compare the current payments against historical patterns to notify users if you should buy now or wait a bit. Similar to how some airline pricing sites are using predictive models.