The real payment, built in.
Rateous is part of The Autograph. Inside every dealer site The Autograph delivers, Rateous computes the monthly payment on every vehicle for the shopper's own credit tier, down payment and market, from the itemized out-the-door price, with no credit pull.
The deal sheet · Mercedes-Benz demonstration store
Built for automotive people, by automotive people.
Rateous was designed by people who know what happens at the desk: the credit tier the shopper is afraid to say out loud, the fees that appear at the end, the payment that was never real. It computes the number the way the desk does, and shows it first.
What Rateous does on a vehicle page
Most dealership websites show a payment that assumes the best credit and hides the fees, or show no payment at all. Rateous starts from the whole number: the selling price, the sales tax for the shopper's city, title and registration, the vehicle license tax and the documentation fee, itemized. From that number it computes the payment for the credit range, down payment and term the shopper chooses, and recomputes it the moment any of them move.
- Finance, lease and cash on the same sheet, with the structure shown for each.
- Eight credit tiers, so a shopper rebuilding credit sees a real number too.
- Manufacturer programs applied where a special rate covers that unit, with the standard rate beside it.
- Trade value applied once the shopper values their car, on every vehicle at once.
- Payment bands on the inventory page, so a shopper can browse by what they can afford.
- Payment-drop finder for existing customers: a lower payment on a newer vehicle, found automatically.
Compliant by construction
Every payment Rateous displays on an Autograph dealer site is labeled an estimate on approved credit, carries the Regulation Z terms beside it, and recomputes exactly from the price, term, rate and down payment, so a payment can never be packed. Lease figures carry the Regulation M disclosures. Confidential program data such as money factors and residuals is computed on the server and never shipped to the browser.
Rateous on its own
The consumer site, myrateous.com, runs on the same payment engine, with the taxes and fees for the shopper's own ZIP. The consumer site and the dealer platform compute the number the same way.
Sales tax, title, registration and fees computed for the shopper's own ZIP, wherever the store is.
Every shopper sees a payment computed for their own range, no credit pull.
No social security number. No inquiry on the shopper's file.
Platform behavior visible on the demonstration stores; the consumer site is myrateous.com.
Sunline Toyota · the same engine, a mainstream storeSame engine. Any brand.
Rateous computes the payment the same way on a luxury store and a mainstream one. The Autograph designs each store to its brand and leaves the math alone.
Open the Toyota demo ↗What is Rateous?
Rateous is a car-shopping and payment platform owned by The Autograph. Inside an Autograph dealer site it is the engine that computes the payment on every vehicle, for the shopper's own credit tier, down payment and ZIP, with no credit pull. The consumer site is myrateous.com.
Does a shopper need a credit pull to see a Rateous payment?
No. The shopper picks a credit range, a down payment and a term, and Rateous computes the payment from the itemized out-the-door price with the taxes and fees for where they live. No social security number, no inquiry.
Is the payment an offer of credit?
No. Every Rateous payment on an Autograph dealer site is labeled an estimate on approved credit, with the Regulation Z terms beside it, and final terms are set by the lender.
Can a dealer use Rateous without an Autograph website?
Rateous is built into the Autograph dealer platform today. Ask The Autograph about a store's existing site.
See your inventory with the whole number.
Tell The Autograph the rooftop and the brand, and you will see what your vehicles look like with a real payment on every one.