Still making payments on your current car but thinking about upgrading? You’re not alone. Many buyers still owe money on their vehicle when they decide it’s time for a change—and the good news is, you can still trade it in.
At [Your Dealership Name] in [City Name], we make it easy to understand how it works, what to expect, and how to maximize your trade-in value—even if there’s still a balance on your loan.
💡 Step 1: Find Out Your Payoff Amount
Start by contacting your current lender and requesting a payoff quote. This tells you exactly how much it will cost to pay off the remainder of your loan, including any interest or fees. Make sure you get a quote that’s valid for at least 10 days, as the final payoff must be submitted during the trade-in process.
🚗 Step 2: Get a Trade-In Appraisal
Bring your vehicle to [Your Dealership Name] for a free, no-obligation appraisal. We’ll inspect the condition, mileage, and market demand to give you a fair offer based on real-time data.
If your car’s trade-in value is higher than your payoff, you have positive equity—and that value can be applied directly to your next vehicle as a down payment.
If your trade-in is worth less than what you owe, that’s called negative equity. But don’t worry—many buyers are in this situation, and we can still help.
🔁 Step 3: Let Us Handle the Details
If you decide to move forward, we’ll:
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Pay off your current loan directly to the lender
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Apply any positive equity to your new loan
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Help you roll negative equity into your next financing plan, if needed
Our finance team works with a wide network of lenders to help keep your payments manageable, even if you're upside down on your current vehicle.
🔎 Should You Trade or Wait? Let’s Talk It Through
We’ll help you look at:
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Current interest rates
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Vehicle depreciation
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Cost of repairs vs. cost of upgrade
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Monthly budget and long-term savings
Every situation is different, and our goal is to give you honest advice that works for you, not just for today—but for the long run.
✅ Upgrade Without the Guesswork
Still owe money on your current car? That doesn’t mean you’re stuck. Visit [Your Dealership Name] in [City Name] and let us simplify the process so you can move forward with confidence.
Stop by today or schedule a trade-in consultation online. We’ll show you your options—clearly and without pressure.
