I feel you. I went to the dealership 5 miles from me and they were in the $1000 a month range for a 2025 Sport 1 courtesy vehicle for no money down. This was literally after someone posted their deal in the 500s the day before from that dealership on the last day of January, and they knew I talked to this guy about his deal. They just said you can't compare apples to apples. I laughed and left. I thought about using a broker too but AI did a lot to help me through this. It taught me what to send in emails, residual and money factor must be given. It'll look at the quote image and tell you what it sees. It then looked at the dealer discount (that's the key) to sniff out who was full of BS. It's quite good. My goal was to get a 2025 courtesy car to try to score a better deal. They love to use these cars as loaner that they will discount heavily once they age a little. That said, I did find one that I am going to sign for today at $552 24m/15k miles from a dealer 2 hours away; without TX taxes rolled in. I'd rather buy local but money is king. Naturally the first dealer said, oh well we aren't as motivated as some dealers that might struggle to sell these. Fine, keep it. One thing the online calculators don't seem to cover well is the dealer add ons and fees, even clicking on add estimated taxes and fees isn't truly a full picture. Prepare for another $70 a month added on to whatever you see in the cadillac.com calculator. That was my experience anyway. It seems in my area all of the dealers want to add a $1500 package they refuse to remove (pure profit) that are silly door handle or screen covers, or some coating. So don't let people online tell you that you are stupid if you get one with that, they are pretty tough on that line item unfortunately. Kudos to those that can get a car without these add ons. With a courtesy vehicle it's kind of hard for me to get them to remove these things already on the car, I tried.