The same car. Four prices.
Only one of them is yours.
A 2018 BMW 530e. 120,000 miles. Very clean. Here is what happens to its price depending on who is buying.
Most won’t take it at all. The ones who do pay less than $3,500 — and it is gone by Friday.
The same car on a used-car lot carries a $13,500 tag. The dealer keeps the difference — because the dealer can offer payments.
You won’t go below $12,000, and rightly so. But it has to be cash, and very few buyers have $12,000 in cash. So the car sits.
$3,500 down and $450 a month for 24 months. A price you set yourself, fixed the day it is signed. The difference is yours.
Why did you never do this before? Trust. A stranger, a hand-written note, and two years of chasing money on the 5th of every month.
That job is not yours here. The buyer confirms who he is before he can even make an offer; we carry the offer, the counter-offer and the yes between you; and a licensed professional in your state closes the deal, records your claim on the item and collects every installment with receipts. You set the price — the down payment, the monthly amount, the months — and that number never changes. You keep every payment. We are the platform in between, not a lender and not a guarantor.
It is not only cars. A house you would carry yourself if you trusted the buyer. Land. A business. Equipment. Anything with a high price tag and a small pool of cash buyers has this exact problem — and this exact answer.
The numbers above are one worked example. Nothing is calculated for you: every seller chooses their own price and their own months, and it is written into the agreement exactly as chosen. qardon.com is a platform and a service provider — not a bank, not a lender, and not a party to the sale.