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Trade-In and Negative Equity Calculator

Compare your trade-in value with what's owed, then see the impact on your next loan. Watch for negative equity warnings.

Estimate only. Estimate only. Not a loan offer, lender quote, dealer quote, lease agreement, retail installment sales contract, DMV estimate, or financial advice. Actual rates, payments, taxes, fees, incentives, residual values, insurance, fuel, and maintenance costs may vary.

Negative equity

$4,000.00

Amount financed

$36,500.00

Estimated monthly payment

$622.29

LTV (loan-to-value)

121.67%

warning: Negative equity rolled in

You owe more on the trade than its value. Rolling negative equity into the new loan increases the financed amount and risk.

critical: Very high loan-to-value

Loan-to-value above 120% is high-risk and may limit lender approval.

Assumptions usedv2026-05-04
  • Term72 months
  • APR7.00%

How this is calculated

Equity = trade-in value − payoff. Negative equity rolls into the new financed amount. We then estimate your new payment and loan-to-value.

Frequently asked questions

Should I roll negative equity into a new loan?
Rolling in negative equity increases the new loan-to-value, raises your payment, and can leave you underwater on the new vehicle. Consider paying down the trade first if possible.

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