Underbook
How the Underbook review works
Every submission is reviewed before Underbook requests payment — no automated approval and no upfront payment. Here’s exactly what happens after you check your vehicle.
What happens, in order
- Start with your VIN and purchase priceNo account required to begin.
- Underbook checks whether the comparison appliesWhether the wholesale-value comparison can be determined for your vehicle.
- Provide the requested detailsPurchase, condition, history, photos and supporting documents, when invited to continue.
- Underbook reviews your submissionNo automated approval — your submission is reviewed before anything else happens.
- Underbook tells you whether it’s worthwhileA plain answer, before any payment is requested.
- Pay only if it’s worthwhilePayment is requested only after review supports proceeding.
- Receive your signed appraisalDelivered with the applicable FIN 320 materials after payment.
Essential facts
- No upfront payment. Underbook reviews first.
- Every submission is reviewed before payment is requested — there is no automated approval.
- “Worthwhile” means the confirmed savings outweigh the fee, not savings of any size.
- If an appraisal would not genuinely help, Underbook says so at no charge.
Review before payment
No automated approval
Your submission is reviewed — there’s no automatic calculator that approves a payment request. “Worthwhile” means your confirmed PST savings are enough to outweigh the appraisal fee, not just savings of any size. Underbook only asks for payment once review confirms that.
Complete, honest information helps the review move confidently. If something’s missing or unclear, Underbook may reach out for more detail before reaching a decision.
When Underbook says no
Sometimes review concludes that a paid appraisal wouldn’t genuinely help — the numbers don’t support it, or your vehicle falls outside what Underbook can support. When that happens, Underbook tells you plainly, at no charge, rather than proceeding to a paid appraisal that wouldn’t genuinely help.
For how the fee works and exactly when it is requested, see Pricing and when payment is requested.
No outcome is guaranteed. Delivery of your signed appraisal and applicable FIN 320 materials happens only after payment and after your submission is complete.
Ready to check your vehicle?
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