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Our Gilberts of Sand Creek pricing philosophy...
GILBERTS SERVICE FEE POLICY
Gilberts of Sand Creek Doc Fee Policy
As Of 01/01/2026 We charge a Service fee of 296.50 to all retail and lease purchases EXCEPT for deals that meet the criteria on the Doc fee Exclusionary Policy.
This Fee service is not mandatory for us to implement, it is allowed in order to service the following expense and requirements imposed on us by outside institutions:
1. Identity & Financial Data Security
FTC Safeguards Rule Compliance: Pays for the encryption software required by federal law to protect your credit application.
Secure Credit Bureau Access: Covers the cost of pulling credit reports securely from Experian, Equifax, and TransUnion.
Firewall & Cyber Defense: Funds the military-grade network security needed to block hackers from stealing your Social Security number and bank information.
Physical Document Shredding & Storage: Covers dual-lock physical cabinets and certified, bonded shredding services for sensitive paper documents.
Red Flags Rule Monitoring: Funds software that checks for identity theft and matches your ID against federal watchlists.
OFAC (Patriot Act) Checking: Pays for mandatory automated checks against the Office of Foreign Assets Control terrorist list.
2. Electronic Titling & DMV Processing
CWI (Dealers Electronic Interface): Pays the subscription and processing fees for the software that transmits your title directly to the Wisconsin DMV.
Priority Electronic Lien Placement: Instantly secures and registers your lienholder (the bank) to prevent title fraud or delays.
Temp Tag Inventory & Issuance: Covers the physical cost and electronic processing of your temporary license plates.
DMV Audit Archiving: Funds the digital storage of your title records, which dealerships must keep accessible for state audits for up to 5 years.]
3. Wisconsin Legal Compliance & Disclosures
Trans 139 Mandatory Disclosures: Covers the administrative time and paperwork required to complete the detailed Wisconsin Buyer's Guide.
Vehicle History Inspections: Pays for the labor and third-party software (like Carfax or AutoCheck) used to pull title history, lemon law records, and salvage checks before selling the car.
Wisconsin Trade-In Verifications: Covers the legal tracking, title cleaning, and lien payoff processing for your trade-in vehicle.
Mandatory Consumer Protection Notices: Funds the printing and tracking of Lemon Law notices and state-required damage disclosure forms.
4. F&I (Finance & Insurance) Overhead
Dealer Track / RouteOne Portals: Pays for the secure communication networks used to submit your deal to multiple automotive lenders.
Independent Auditing Services: Funds third-party legal audits of our finance contracts to ensure absolute compliance with fair lending laws.
Continuous Compliance Training: Covers mandatory, ongoing legal certification for finance managers regarding changing state and federal lending laws.
5. Facility & Administrative Overhead
Dedicated Billing Staff: Pays the wages of specialized automotive billers who do nothing but process DMV and bank contracts all day.
Certified Mail & Secure Couriers: Covers the cost of securely shipping original loan contracts, wet-signature titles, and legal checks to banks and state capitals.
Specialized Printing Hardware: Funds high-security dot-matrix and laser printers required to print multi-part legal contracts and state titles without jamming or errors.
Doc Fee Exclusionary Policy:
Situations where we do not charge a Doc Fee.
1. Dealer Facilitated Lease Buyouts where the charge of a service fee is prohibited by the Bank.
If a customer is purchasing his or her own lease out and the rules of the specific Lessee state the dealer may not charge a service fee. No Service fee will be charged
2. Pass Through deals where the Customer has done all of the selling of their trade in.
If the customer has sold their own trade and Gilberts' sole responsibility is at the maximum accomplishing minimum paperwork required to register the vehicle in the new owners name we will not charge a doc fee.
3. Customers who are paying MSRP plus tax and registration.
If Purchase Agreement Line "C" (Discount) and Line "N" (Rebates) equal $0.00 then line "B" (Service Fee) will also equal "0"
4. Wholesale deals to auctions/other dealers where there is no sales tax incurred
This Fee service is not mandatory for us to implement, it is allowed in order to service the following expense and requirements imposed on us by outside institutions:
1. Identity & Financial Data Security
FTC Safeguards Rule Compliance: Pays for the encryption software required by federal law to protect your credit application.
Secure Credit Bureau Access: Covers the cost of pulling credit reports securely from Experian, Equifax, and TransUnion.
Firewall & Cyber Defense: Funds the military-grade network security needed to block hackers from stealing your Social Security number and bank information.
Physical Document Shredding & Storage: Covers dual-lock physical cabinets and certified, bonded shredding services for sensitive paper documents.
Red Flags Rule Monitoring: Funds software that checks for identity theft and matches your ID against federal watchlists.
OFAC (Patriot Act) Checking: Pays for mandatory automated checks against the Office of Foreign Assets Control terrorist list.
CWI (Dealers Electronic Interface): Pays the subscription and processing fees for the software that transmits your title directly to the Wisconsin DMV.
Priority Electronic Lien Placement: Instantly secures and registers your lienholder (the bank) to prevent title fraud or delays.
Temp Tag Inventory & Issuance: Covers the physical cost and electronic processing of your temporary license plates.
DMV Audit Archiving: Funds the digital storage of your title records, which dealerships must keep accessible for state audits for up to 5 years.]
Trans 139 Mandatory Disclosures: Covers the administrative time and paperwork required to complete the detailed Wisconsin Buyer's Guide.
Vehicle History Inspections: Pays for the labor and third-party software (like Carfax or AutoCheck) used to pull title history, lemon law records, and salvage checks before selling the car.
Wisconsin Trade-In Verifications: Covers the legal tracking, title cleaning, and lien payoff processing for your trade-in vehicle.
Mandatory Consumer Protection Notices: Funds the printing and tracking of Lemon Law notices and state-required damage disclosure forms.
Dealer Track / RouteOne Portals: Pays for the secure communication networks used to submit your deal to multiple automotive lenders.
Independent Auditing Services: Funds third-party legal audits of our finance contracts to ensure absolute compliance with fair lending laws.
Continuous Compliance Training: Covers mandatory, ongoing legal certification for finance managers regarding changing state and federal lending laws.
Dedicated Billing Staff: Pays the wages of specialized automotive billers who do nothing but process DMV and bank contracts all day.
Certified Mail & Secure Couriers: Covers the cost of securely shipping original loan contracts, wet-signature titles, and legal checks to banks and state capitals.
Specialized Printing Hardware: Funds high-security dot-matrix and laser printers required to print multi-part legal contracts and state titles without jamming or errors.
Doc Fee Exclusionary Policy:
Situations where we do not charge a Doc Fee.
1. Dealer Facilitated Lease Buyouts where the charge of a service fee is prohibited by the Bank.
If a customer is purchasing his or her own lease out and the rules of the specific Lessee state the dealer may not charge a service fee. No Service fee will be charged
2. Pass Through deals where the Customer has done all of the selling of their trade in.