before-the-lot MCP server

None of its 16 tools are described as changing anything. For 16 the reading was uncertain, so no mark is shown.

• what_can_i_afford

  “Works out the budget ceiling from a monthly payment: the most that can be financed, the highest out-the-door price after the trade-in tax credit, that ceiling as dealers quote it (before the trade-in…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  15 inputs, 4 required

  • max_paymentnumberrequired“The highest monthly payment the person is comfortable with”
  • aprnumberrequired“Loan APR in percent (6.49 means 6.49%); a pre-approval rate if they have one”
  • term_monthsintegerrequired“Loan term in months”
  • downnumber“Cash down payment”
  • trade_offernumber“Best written trade-in offer, if any”
  • trade_payoffnumber“What is still owed on the trade-in”
  • statestringrequired“Two-letter state code (DC included), like PA”
  • tax_ratenumber“Combined sales tax rate as a decimal (0.08 for 8%); leave out to use the state's rate”
  • countystring“County from the state's list (Pennsylvania, Nevada, Wisconsin; state_rules lists them), like Allegheny County: sets the combined rate.”
  • citystring“City or county in the state's rate table (23 states; state_rules says which), like Pittsburgh or Allegheny County: sets the combined rate from the state's own …”
  • doc_feenumber“Expected doc fee; leave out to assume the state's cap, or a typical $450 where there is none”
  • title_regnumber“Expected title and registration”
  • fair_pricenumber“A fair vehicle price from research, before tax and fees”
  • invoicenumber“Dealer invoice, for a new car, if known”
  • conditionstring
• out_the_door

  “Itemizes an out-the-door estimate for a vehicle price: rebates, doc fee, add-ons, the state's sales tax (with its rules on rebates and caps), title and registration.”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  22 inputs, 2 required

  • pricenumberrequired“Vehicle selling price before rebates, fees and tax”
  • rebatesnumber“Maker rebates taken off at signing”
  • doc_feenumber“Doc fee; leave out to assume the state's cap, or a typical $450 where there is none”
  • add_onsarray
  • title_regnumber“Title and registration; leave out for a typical $250”
  • other_feesnumber“Any other fees”
  • statestringrequired“Two-letter state code (DC included), like PA”
  • tax_ratenumber“Combined sales tax rate as a decimal; leave out to use the state's rate”
  • countystring“County from the state's list (Pennsylvania, Nevada, Wisconsin; state_rules lists them), like Allegheny County: sets the combined rate.”
  • citystring“City or county in the state's rate table (23 states; state_rules says which), like Pittsburgh or Allegheny County: sets the combined rate from the state's own …”
  • conditionstring“New or used: a state's tax can apply to new cars only (Oregon)”
  • trade_offernumber“Best written trade-in offer”
  • trade_payoffnumber“What is still owed on the trade-in”
  • downnumber“Cash down payment”
  • aprnumber“Loan APR in percent, for the payment”
  • term_monthsinteger“Loan term in months, for the payment”
  • walk_linenumber“The walk line, out the door”
  • vehicle_weight_lbsinteger or string“Washington DC only: the vehicle's unladen weight in pounds (DC's excise rate goes by weight and city MPG)”
  • city_mpgnumber or string“Washington DC only: the vehicle's EPA city MPG, with its weight”
  • electricboolean or string“Washington DC only: a battery-electric vehicle (its own, lower column)”
  • buyer_in_chicagoboolean or string“Illinois only: the buyer's address is in the City of Chicago (the city and county given are the dealer's)”
  • buyer_in_cook_countyboolean or string“Illinois only: the buyer's address is in Cook County”
• check_quoteon 5 other servers

  “Reads a dealer's out-the-door quote, pasted as text (up to 8 KB) or given as line items, and checks it line by line: the out-the-door total, the doc fee against the state's cap (and capped service fe…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  8 inputs, 1 required

  • textstring“The quote as pasted (an email or a buyer's order).”
  • linesobject“The quote as line items, instead of text”
  • statestringrequired“Two-letter state code (DC included), like PA”
  • tax_ratenumber“Combined sales tax rate as a decimal; leave out to use the state's rate”
  • walk_linenumber“The walk line, out the door”
  • trade_allowancenumber“The trade-in allowance on the quote, when sending lines (read from text otherwise)”
  • best_trade_offernumber“The best written trade-in offer still open (CarMax, Carvana...), to compare with the allowance”
  • trade_offersarray“Written trade-in offers, to compare the best open one with the allowance”
• compare_quoteson 4 other servers

  “Ranks two to ten itemized dealer quotes by out-the-door price, with each one's gap to the lowest and to the walk line, and (with a state) each doc fee against the state's cap.”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  3 inputs, 1 required

  • quotesarrayrequired
  • walk_linenumber“The walk line, out the door”
  • statestring“Two-letter state code (DC included), like PA”
• rebate_vs_apr

  “Compares a maker's cash rebate taken with the person's own loan against the maker's special APR (with any cash that combines with it): each side's payment, interest and total, the difference, the own…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  17 inputs, 5 required

  • rebatenumberrequired“Cash rebate available with your own loan or cash”
  • own_aprnumberrequired“Your own loan APR in percent (a pre-approval)”
  • promo_aprnumberrequired“The maker's special APR in percent”
  • term_monthsintegerrequired“Loan term in months”
  • promo_term_monthsinteger“The special APR's longest term, if shorter”
  • promo_cashnumber“Cash that combines with the special APR”
  • statestringrequired“Two-letter state code (DC included), like PA”
  • tax_ratenumber
  • countystring“County from the state's list (Pennsylvania, Nevada, Wisconsin; state_rules lists them), like Allegheny County: sets the combined rate.”
  • citystring“City or county in the state's rate table (23 states; state_rules says which), like Pittsburgh or Allegheny County: sets the combined rate from the state's own …”
  • amount_financed_before_rebatenumber“Out-the-door price before the rebate, less down payment and trade equity”
  • vehicle_pricenumber“Vehicle price, to work out the amount financed instead”
  • doc_feenumber“Doc fee; leave out to assume the state's cap, or a typical $450 where there is none”
  • title_regnumber“Title and registration”
  • downnumber“Cash down payment”
  • trade_offernumber“Trade-in offer”
  • trade_payoffnumber“Owed on the trade-in”
• loan_paymenton 6 other servers

  “The monthly payment, total interest and total paid on a car loan, with what a term over 60 months adds in interest compared with 60.”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  3 inputs, 3 required

  • amountnumberrequired“Amount financed”
  • aprnumberrequired“APR in percent”
  • term_monthsintegerrequired“Term in months”
• lease_check

  “Works a lease quote from MSRP, selling price, residual and money factor (or the lease's APR): the depreciation and rent charges, the payment with tax (and a state lease tax on top where there is one,…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  18 inputs, 5 required

  • msrpnumberrequired“MSRP (sticker price)”
  • selling_pricenumberrequired“The negotiated price the lease is built on”
  • residual_percentnumberrequired“Residual as a percent of MSRP (58 for 58%)”
  • money_factornumber“Money factor, e.g.”
  • lease_aprnumber“The lease's rate as an APR, instead of the money factor”
  • term_monthsintegerrequired“Lease term in months”
  • due_at_signingnumber“Cash down, lease rebates and trade equity that lower the price”
  • feesnumber“Acquisition and other fees rolled into the lease”
  • disposition_feenumber“Turn-in fee at the end”
  • statestringrequired“Two-letter state code (DC included), like PA”
  • tax_ratenumber“Combined sales tax rate as a decimal (state and local); leave out to use the state's rate.”
  • countystring“County from the state's list (Pennsylvania, Nevada, Wisconsin; state_rules lists them), like Allegheny County: sets the combined rate.”
  • citystring“City or county in the state's rate table (23 states; state_rules says which), like Pittsburgh or Allegheny County: sets the combined rate from the state's own …”
  • buy_aprnumber“A loan APR, to compare with buying”
  • buy_term_monthsinteger“Loan term, to compare with buying”
  • buy_downnumber“Down payment when buying”
  • doc_feenumber“Doc fee when buying, for the estimated out-the-door; leave out to assume the state's cap, or a typical $450 where there is none”
  • buy_out_the_doornumber“Out-the-door price when buying; leave out to estimate it”
• refinance_checkon 1 other server

  “Compares a car loan as it stands with a new loan at a quoted rate, by default over the same months left so a lower payment cannot hide a longer loan, with any fees counted: the new payment, the month…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  6 inputs, 4 required

  • balancenumberrequired“What is owed today”
  • current_aprnumberrequired“Current APR in percent”
  • current_paymentnumberrequired“Current monthly payment”
  • new_aprnumberrequired“The APR a lender quoted for the new loan”
  • new_term_monthsinteger“New term; leave out to keep the months left”
  • feesnumber“Fees for the new loan”
• trade_in_position

  “From written trade-in offers and the payoff: the best offer still open (the floor a dealer's trade number is compared with), the equity or negative equity, and, with a state and vehicle price, the sa…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  8 inputs, 1 required

  • offersarrayrequired
  • payoffnumber“What is still owed on the car”
  • statestring“Two-letter state code (DC included), like PA”
  • vehicle_pricenumber“The new vehicle price, for the tax the trade saves”
  • doc_feenumber“Doc fee; leave out to assume the state's cap, or a typical $450 where there is none”
  • tax_ratenumber“Combined sales tax rate as a decimal, local tax included (0.07 for 7%); leave out to use the state's rate”
  • countystring“County from the state's list (Pennsylvania, Nevada, Wisconsin; state_rules lists them), like Allegheny County: sets the combined rate.”
  • citystring“City or county in the state's rate table (23 states; state_rules says which), like Pittsburgh or Allegheny County: sets the combined rate from the state's own …”
• payoff_plan

  “A payoff plan for a car loan, for paying it off early with an extra payment each month: the months and total interest at the regular payment, and with an extra amount toward principal each month (opt…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  7 inputs, 3 required

  • balancenumberrequired“What is owed today”
  • aprnumberrequired“The loan APR in percent”
  • months_leftinteger“Payments left at the regular payment; or give payment instead”
  • paymentnumber“The regular monthly payment; or give months_left instead”
  • extra_monthlynumberrequired“Extra paid toward principal each month”
  • extra_for_monthsinteger“Pay the extra for only the first this-many months; leave out for every month”
  • skip_monthsarray“Months (1 is the next payment) with nothing extra paid”
• get_methodon 7 other servers

  “The Before the Lot method: an overview and its seven stages (what to collect, what each produces, which guides, tools and email templates apply, and when the stage is done).”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  1 input

  • stagestring“One stage id; leave out for the whole method”
• state_ruleson 2 other servers

  “A state's rules on dealer doc fees, sales tax (state rate, local add-on range, cap), trade-in tax credit, how a maker's rebate is taxed, and cancellation rights where on file, each with its source, a…”

  Publisher declares: read-only yes · destructive no · idempotent yes · open-world no

  1 input, 1 required

  • statestringrequired“Two-letter state code, like PA”

Each quoted sentence is the first sentence of the publisher’s own description. The kind of tool and the “changes data” mark are our AI model’s reading of that description, not something we tested: two differently worded runs had to agree, otherwise no label is shown, and nobody has checked them by hand. A tool without the “changes data” mark is described as only reading, searching or calculating, or the two runs did not agree. No tool was called. Read the publisher’s full description before relying on it. “Publisher declares” lists the hints the server itself sends with the tool (MCP annotations: read-only, destructive, idempotent, open-world); they are the publisher's claims, not checked by us. Inputs are the parameters in the tool's own input schema: name, declared type, whether it is required, and the first sentence of its description. Read 2026-10-29.

The registry checks an entry when it is published (each new version), and nothing re-checks it on a schedule. A difference below is about the listing, not a judgement of the publisher.