In the car business, a “T sheet” (short for "T-Chart" or “T-sheet worksheet”) is a simple paper or digital worksheet used by car salespeople or managers to:

👉 Show and break down the price of a car deal in a visual, easy-to-understand format.

The reason it’s called a T sheet is because it’s usually drawn like a big "T", where:

✍️ On the left side:

Customer’s Offer

• What the customer wants for their trade

• What they want to pay

• Desired monthly payment

• Down payment amount

• What they say they want

📊 On the right side:

Dealer’s Numbers

• Actual trade value offered

• Selling price

• Fees (doc fee, taxes, etc.)

• Monthly payment at current rate and term

• What the deal really is

Why dealers use it:

• To negotiate visually without printing full buyer orders

• To bridge the gap between what the customer wants and what’s real

• To guide the customer to the dealer’s numbers

• To close the deal without giving a full printout yet

🚨 Pro Tip:

If a salesperson says, “Let me show you something real quick on a T-sheet,” just know this is not a legal contract, and it’s often skewed to make payments look manageable while hiding total price, APR, or other costs.

⚡️ Chase’s Final Word:

If someone slides a T-sheet across the desk, it’s not the full picture.

It’s a sales tool, not a finance document.

Take a photo of it, ask for everything in writing, and let your trusted car buying advocate (👋 hey, that’s us at GetDealGuard.com) double-check it before you sign anything.

You deserve clarity—not games.

Want us to negotiate you're next vehicle? Go to FUNNEWCAR.COM

– Chase