Grae LineVehicle Financial Advisory
Vehicle Financial Checkup

Your car has a financial position.Do you know where you stand?

Before you trade it, sell it, independently investigate refinancing, or keep paying for it, understand the numbers behind your vehicle.

  • Keep it.
  • •Refinance?
  • •Sell it?
  • •Trade it?
  • •Wait?

We analyze the numbers.You make the decision.

Check My Car — Free

Takes about 60 seconds to start.

No dealership. No transaction commission. No pressure.

Automotive roots dating back to 1992

You know your payment.But do you know your position?

Example vehicle

Monthly payment

$947

Current payoff

$47,820

Estimated vehicle range

$41,500–$44,000

Estimated equity

-$3,820 to -$6,320

Financial pressure — not automatically a reason to sell.

APR

9.49%

Mileage

48,200

The payment is only one number.

Your vehicle, loan, mileage, equity, interest rate, ownership costs, and personal goals all affect what may make sense next.

So…

What should I do with my car financially?

  • Keep

    Would keeping your current vehicle put you in a stronger or weaker position over time?

  • Refinance

    Could independently investigating refinancing with your own financial institution be worth considering?

  • Sell

    What does your current equity position look like if you independently decide to sell?

  • Trade

    What could happen to your equity or negative equity if you independently decide to trade?

  • Wait

    Could waiting and continuing to pay down your balance potentially improve your position?

  • There is no automatic“right” answer.

Sometimes the answer may be:Keep the car.

GRAE Vehicle Financial Checkup

Before making your next vehicle decision, know your numbers.

The checkup examines

  • Your vehicle
  • Your payoff
  • Your payment
  • Your APR
  • Your estimated equity position
  • Your mileage
  • Your ownership situation
  • Your existing customer-obtained offers
  • Your personal goal

Then we help organize the situation into

KeepRefinanceSellTradeWait

The deliverable is

A clear vehicle financial picture.

Free 10-Minute Vehicle Financial Consultation

Not sure what to do with your car?Start here.

In about 60 seconds, tell us what you drive, what you owe, what you pay, and what is bothering you. Then we can determine whether a deeper Vehicle Financial Checkup may be useful.

Start My Free Checkup

No obligation. No vehicle transaction required.

A vehicle can represent tens of thousands of dollars.Why make the decision without understanding the numbers?

Free valuation tools can help estimate what a vehicle may be worth.

GRAE LINE is designed to look at the broader question: what is this vehicle doing to your financial position, and what options deserve consideration?

GRAE solves the decision before the decision.

Traditional question

“What is my car worth?”

GRAE question

“What should I do with my car financially?”

Value is one part of the answer.

Value+Payoff+Equity+Payment+APR+Mileage+Ownership cost+Personal goals=Your vehicle financial picture

Why should I trust GRAE?

  • Independent by design

    The advisory model is designed around understanding your financial situation rather than requiring a particular transaction outcome.

  • Automotive experience

    Built on automotive experience dating back to 1992.

  • Plain English

    No unnecessary automotive or finance jargon.

  • Your decision

    GRAE provides analysis and education. You remain in control.

Automotive roots dating back to 1992
  1. 1992Autoline Automotive Inc. InternationalPhilippines
  2. ↓Decades of automotive experience
  3. TodayGRAE LINECalifornia

Our automotive roots trace back to Autoline Automotive Inc. International in the Philippines.

Today, GRAE LINE carries that experience into a different mission: helping consumers better understand the financial decisions surrounding the vehicles they already own.

You may be wondering…

Can't I just look up my car's value for free?
Yes. Vehicle value is only one part of the financial picture. GRAE is designed to help organize vehicle value alongside payoff, payment, APR, estimated equity, ownership considerations, customer-obtained offers, and your personal goal.
Are you going to try to buy my car?
No.
Are you going to send me to a dealership?
GRAE does not require a customer to transact with a particular dealer or buyer as part of the advisory service.
Do you negotiate for me?
No.
Do you refinance my car?
No.

What if the best answer is to keep my car?

Then keeping the vehicle may be exactly what deserves consideration.

Your next car decision could involve tens of thousands of dollars.Start by understanding the one you already have.

What should I do with my car financially?

Check My Car — Free

About 60 seconds to start. No obligation.

GRAE LINE

Know your numbers.Know your options.

Automotive roots dating back to 1992. Philippines → California.

The GRAE LINE Network

Connected through business, community, and purpose.

  • GRAE LINE Events

    Event production and community gatherings.

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  • Meyari Design House

    Design and creative direction studio.

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  • House of Grace

    Community and service-focused organization.

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Independent businesses and organizations connected through our extended network.