We find it.You take over the payments.
Tell us the car. We hunt it down nationwide, vet the seller, and hand you the keys on a payment takeover.
Recently hunted
- Lamborghini Urus Performante
- McLaren
- BMW M4
- Tesla Model S
- Your car next
Dealers set the price. Banks make the call. We skip both.
The best deals never hit a lot. They're owners who want out of a payment and would rather hand the car to a qualified driver than trade it in at a loss. Finding them takes time, a network, and knowing what to ask. That's the job we take off your plate.
A search built around your buy-box
Make, model, years, miles, budget and must-haves. We hunt for your car, not whatever's on the lot.
Every seller and vehicle vetted
Loan status, title, condition and seller story checked before a deal ever reaches you.
Terms negotiated on your side
Subject-To, seller finance or payment takeover, structured so the math works for you.
From your wish list to your driveway
One clear process, a real deadline, and updates every two weeks, so you're never left wondering where your search stands.
Tell us the car
Send your buy-box in two minutes. We call to lock in the details and your budget.
Sign and get qualified
You sign the Vehicle Sourcing Agreement, pay your tier's fee and pass a quick background check.
We hunt
Nationwide search, seller outreach and vetting, with a progress update every two weeks.
You approve, we close
You say yes to the deal. A TOP Wheels coordinator runs the paperwork through to the keys.
One fee. Priced by the car you want.
Your sourcing fee is set by the value of the vehicle, not by how hard we have to work. Drag to your price range and see where you land.
- Dedicated nationwide search for your exact criteria
- Seller and vehicle vetting before anything reaches you
- Terms negotiated on your behalf
- Progress updates every two weeks
- An assigned coordinator from match to keys
- Fee credited toward your entry fee when we place you
Under $15K? Those deals move fast and rarely need a full search. Book a free call and we'll point you to the right route.
We put our fee on the line, not just yours.
Change your mind, full refund
Ask within 48 hours of paying, before we've presented a vehicle, and you get every dollar back.
A real deadline
Your search runs on a 60-day clock from the day your criteria are locked. No open-ended searches.
Back if we come up empty
No match in 60 days? Half your fee comes back. Keep searching with us and it's credited in full when we find it.
Straight talk on the fine print. We only work with serious buyers, so the fee is forfeited if you turn down three or more vehicles that meet your criteria, go unresponsive for 14 days, don't pass the background check, or give us false information. Every search runs under a written Vehicle Sourcing Agreement you sign before we start.
Chasing something exotic?
Urus, McLaren, M-cars, the one you've had saved for years. Exotic owners have the biggest payments and the fewest ways out, which is exactly where we hunt.
- Deeper network of owners and specialty sellers
- Extra scrutiny on title, service history and loan payoff
- Nationwide by default, delivery coordinated to you
Questions, answered straight
Still unsure? Book a free call and ask us directly.
What does "take over the payments" actually mean?
You step into an owner's existing car loan (Subject-To), or the owner finances the car to you (seller finance). Instead of a new bank loan, you pay an agreed entry fee and take over the monthly payment. We structure it, paper it and coordinate it so both sides are protected.
Is the sourcing fee on top of the car's price?
No. When we place you in a vehicle, your sourcing fee is credited toward the entry fee. The rest of the entry fee, your monthly payments, taxes, title, registration and insurance are set out in writing before you commit to any deal.
Do I need good credit?
These deals don't run through a traditional auto lender, so your credit score isn't the gatekeeper it is at a dealership. You do need to pass a background check and show you can carry the payment.
How specific can I be?
We search on make, model, year range, mileage and budget, plus any true must-haves like a specific package. Exact colors or rare option combinations aren't guaranteed unless we agree on them in writing, and the tighter the criteria, the longer the hunt.
What if I find a car myself while you're searching?
Bring it to us. If it fits a creative-finance structure, we can vet it and coordinate the deal. Talk to us before you commit so your agreement is handled cleanly.
Where do you search?
Nationwide. Most of our deals cross state lines, and we coordinate paperwork, registration and delivery to where you live.
Tell us the car. We'll take it from here.
Two minutes, no payment today. We review every request personally before anything is signed.
- We call you to lock in the buy-box and your budget.
- You get your Vehicle Sourcing Agreement and fee invoice to review.
- You sign, pay, and the 60-day hunt starts.
Rather talk first? Book a free call with Mike.