My Dealer Jacket vs. Lot Jacket: which deal-jacket tool fits an Ontario lot

Type “deal jacket software” into Google from Ontario and the AI answer at the top names a handful of products and lists what deal-jacket software does: scans documents, runs checklists, audits for compliance. Read the compliance line closely and it is talking about the US Federal Trade Commission's Safeguards Rule. That is the first clue that the category's best-known names were built for a different country's paperwork.

Why the names get confused

“My Dealer Jacket” and “Lot Jacket” are one word apart, and both are deal-jacket products. They are unrelated companies. We're saying it plainly because a dealer who searches for one and lands on the other deserves to know what each actually is before signing up for anything. This guide reviews the public sites of the products the AI Overview names, as they read on 2026-09-21, and compares them with Lot Jacket on the one question that matters to an Ontario lot: whose rules is the software built around?

My Dealer Jacket

My Dealer Jacket describes itself as a cloud deal-management system for independent car dealers, and its own pages are specific about where. The home page is aimed at independent, buy-here-pay-here and lease dealers in Florida, with FLHSMV-approved temp tags and title services as headline features. Its DMS page lists the deal jacket (buyer, vehicle, trade-in, taxes, contracts and signatures in one record), VIN decoding, e-signature through DocuSign, payment tracking, credit applications and role-based access, and says “Florida state and county tax figured for you at each county's current rate.”

The pricing is unusual and genuinely attractive for a low-volume US lot: no subscription, no setup fee. The site lists $2.50 per deal jacket, $3 per deal jacket to e-sign, an extra $2.50 for a buy-here-pay-here or lease contract, about $6 per Florida temp tag, and 3.3% + 30¢ per card payment. The forms it lists — buyer's order, odometer disclosure, application for title, buyer's guide, insurance affidavit — are US and Florida documents. We found no reference to Canada, Ontario, OMVIC, GST or HST on either page.

Dealership Workflow

Dealership Workflow is a digital deal jacket plus checklists: mobile scanning with AI data extraction, role-based checklists for sales, finance and office staff, customer pre-signing by link, contracts-in-transit tracking, a title tracker with “state-aware countdowns,” and cancellation tracking that follows chargebacks until refunds reach accounting. It lists $999 per month per rooftop, unlimited users, month-to-month, and positions itself as sitting alongside your current CRM and DMS rather than replacing them. It serves franchise and independent stores. Its site does not mention Canada, Ontario or OMVIC, and “state-aware” points to a US design — Ontario has a province, not states, and its deal-file rules live in one regulation.

ComplyAuto and DealCheck AI

ComplyAuto's DealCheck AI is the audit-first entry: it describes an AI that checks 200+ verification points across six categories in 30–60 seconds while the customer is still in the F&I office, against FTC rules and 50-state compliance, for US dealers. Pricing isn't published — you schedule a demo. The idea is sound and it's the direction the whole category is moving: check the deal file before it's filed, not after an inspector asks. But an audit engine is only as good as the rulebook it was loaded with, and this one's rulebook is American.

Lot Jacket

Lot Jacket covers one sequence and is built around Ontario from the first screen. You photograph the ownership, insurance slip, licence and safety certificate; the scanner and parser turn the photos into typed deal fields; the Bill of Sale (retail, wholesale or export) is generated from those fields and e-signed on the spot; the garage register writes itself from the same deal; and everything lands in an audit-ready deal file. Pricing is a flat monthly rate with no per-deal or per-seat fees — see pricing for the current plans.

The four side by side

Where a US deal-jacket tool breaks on an Ontario deal

Ontario deal files are governed by O. Reg. 333/08 under the Motor Vehicle Dealers Act, 2002. Each row below is a place where software built for another jurisdiction has nothing to offer, because the requirement simply does not exist there.

None of this is a criticism of those products. Florida has no garage register because Florida is not Ontario. The point is that the work those rows represent doesn't disappear when you adopt a US tool — it moves out of the software and into a checklist in your head, and the head is exactly what a busy Saturday overwrites.

The price question, worked through

Pay-per-use looks cheap until you count the deals, and flat pricing looks expensive until you do. Using only My Dealer Jacket's published rates ($2.50 to create plus $3 to e-sign is $5.50 per deal, before card fees):

Dealership Workflow's $999 a month is $11,988 a year per rooftop. For a one-to-three-person lot, the per-deal number is the more honest comparison — but the honest answer is that price isn't what should decide this. A tool that costs $165 a month and doesn't know your disclosure list is more expensive than one that costs more and does, the first time a missed section 42 line costs you a deal. Compare the cost of the tool against the cost of the mistakes it's supposed to prevent, not against the other tool's price tag.

A note from the lot floor

We run two small Ontario lots, Afghan Automotive in Toronto and Momo Cars in Niagara Falls, and the unglamorous truth of a small lot is that the person who negotiates the deal, prints the paperwork and files the jacket is often the same person, usually in the same twenty minutes. That is why we built around Ontario's rules rather than adding them later. A software prompt that fires at the moment you are already holding the pen is worth more than a perfect audit that runs after the customer has driven away.

The ten-minute Ontario fit test

Run this on any deal-jacket vendor, including us. Ask for the answer in writing or on a live demo with your own documents, and mark each line pass or fail.

1. All-in price. Does the bill of sale itemize every fee inside the advertised price?
2. Section 42. Does it prompt the written disclosures based on what the vehicle history shows, or does it hand you a blank box?
3. As-is wording. Does it print the prescribed statement, formatted correctly, with the initial line?
4. Garage register. Does the register write itself from the deal?
5. Retention. Where do records physically live for six years, and can that satisfy your Registrar-approved location?
6. Export. Can you take every record with you if you leave?
7. Price shape. Flat or per deal, and what happens in your busiest month?
8. Operator history. Has the vendor ever run an Ontario lot, or only sold to one?

Fewer than six passes on a US tool is the expected result, not a surprise. Fewer than six on anyone claiming to be Ontario-first should end the conversation.

Which one fits your lot

If you operate in Florida, My Dealer Jacket's pay-per-use model and temp-tag integration are a real fit. If you run a US franchise or independent store that already has a DMS and wants better checklists, Dealership Workflow's add-on shape makes sense. If you want an AI second pair of eyes on a US deal file, DealCheck AI is aimed squarely at you. If you hold an OMVIC licence and your risk is the Ontario deal file — the disclosures, the register, the six-year clock — you want a tool whose rulebook is Ontario's. That is the gap Lot Jacket was built to close.

Book a free 15-minute demo and bring a real deal file. We'll show you exactly where Lot Jacket starts and stops.

This comparison is based on publicly available information from each vendor's own website as of 2026-09-21. Features and pricing change — verify current details directly with each vendor before deciding. Lot Jacket is not affiliated with My Dealer Jacket, Dealership Workflow or ComplyAuto. This guide is general information, not legal or compliance advice.