I couldn't find anything which clearly defines R7M Vehicle Invoice Credit (and I drilled down fairly deep through my search results). I did notice that every sheet I viewed like the one posted above has that item listed. It probably has little or nothing to do with what you'd be paying for a vehicle. You'll see some great buying guides on the 'net which show you how to negotiate a deal based on dealer invoice, type of financing you'll have, etc. You can use the code and description as your keywords, or something like "car buying guide" to find them. I'd suggest browsing through a few to educate yourself before you "sign zee papers, old man." lol