[RickS]

> KBB has a separate (supposedly more accurate) pricing service specifically for dealers.

This is correct, in my experience. My credit union had a set of data that was supposedly KBB but had totally different info (and lower numbers) than the consumer website. They also capped their auto loans at 120% of that value, to account for dealership markup.

[ams6110]

There's definitely a wholesale and a retail "book" for used vehicles. The dealer will buy cars at auction at wholesale (or take them in trade, proabably for less than wholesale) and try to sell them at retail.