JATO MONTHLY PAYMENTS

Benchmark vehicles on affordability, not list price

Monthly Payments shows how competitors structure their finance offers, combining captive finance with the leasing and broker deals you don't always see.

Breaking down each offer into deposit, interest rate, residual value, contract length, and mileage, you know exactly how to respond to your competition.

Behind the monthly price

The monthly price customers see doesn't tell the whole story

Two vehicles can show the same monthly instalment while being built through completely different finance strategies. One offer may rely on a heavier deposit contribution, another assumes lower annual mileage allowance.

Most OEMs will only see this level of detail in their own captive data. Monthly Payments does the tracking for you, so your team can spend the time developing the right response.

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Compare finance offers consistently

Monthly Payments compiles deposit, interest rate, incentives, GMFV, contract duration and mileage into one standardised view.

Compare monthly payments across brands and markets
Benchmark affordability using consistent finance data
Compare total contract cost across competitors' vehicles

How offers are built

With affordability under pressure, OEMs are leaning harder on deposit contributions, APR support, and incentives to hold their position in the market.

See every component behind a competitor's finance offer
Compare how captive and non-captive offers differ
Understand which lever a competitor is using to stay competitive

See changes as they happen

When one competitor increases their finance support, others in the same segment often follow. Monthly Payments updates weekly, so you never miss important changes.

See finance changes within the week they happen
Track which competitors regularly revise their offers
Follow offers as they update, across seven markets

See what it takes to compete on EVs

Ensure your EV offers are attractive to buyers wanting to make the switch. Monthly Payments also compares finance offers by powertrain, so you can see how competitors are structuring their EV offers, deposit contribution, APR support, incentives, and GMFV.

Compare EV finance offers against combustion and hybrid
See how competitors structure their EV finance offers
Benchmark EV affordability across captive and non-captive offers

See the market as a connected system

With more information available than ever, decisions are still being made using disconnected datasets and incomplete views.

Monthly Payments connects to JATO’s wider product, pricing, and incentive data, so you can see how a competitor's finance offer relates to how that same vehicle is equipped, priced, and incentivised elsewhere in the market.

Explore connected automotive intelligence

Product manager

A bigger deposit contribution or a subsidised APR rate? See exactly where a competitor’s lower monthly price comes from.

Don’t cut your own price and risk losing margin unnecessarily.

Tactical manager

Know exactly what lever a competitor is using to bring their price down, instead of guessing which one to match. Access insights that ensure your offers are timely.

Planning manager

Check whether an order slowdown coincided with a competitor boosting their finance offer.

Understand the real reason why a vehicle may not be performing as expected.

Market intelligence manager

Build one consistent view of how each competitor structures their offer, across captive finance, leasing, and brokers, instead of piecing it together from various sources.

Give product, pricing, and sales teams one detailed report.

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Both sides of finance
Monthly Payments researches captive finance alongside leasing deals and broker offers, giving you complete visibility of the market.

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Refreshed every week
Every finance offer is researched each week, catching a change within days rather than the following month.

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Modelled to stay accurate
Where a specific offer hasn’t been researched yet, modelled data fills that gap against available market reference data with 97% accuracy.

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Every component of the price
Deposit, APR, incentives, GMFV, contract duration, mileage, and total contract cost are all tracked separately, not collapsed into one number.

VIN/VRM

JATO UID

Full Specifications

Retail Ready Structured Data

Look ups begin by inputting any VIN or VRM

It is validated and matched to a unique ID to ensure accuracy

Returns complete vehicle data including fitted options with VINView Pro

Easy to plug into your systems via API