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Trade-In & Negative Equity Calculator

Upside down on your car? Explore your next move.

Estimate your negative equity, compare keeping your current car, financing another vehicle, or leasing, and explore potential financing matches at participating dealerships.

Negative equity means you owe more on your vehicle than its estimated trade-in value. No credit check, and nothing is sent anywhere unless you choose to contact a dealership.

1. Your current vehicle and loan

Self-reported. Use a recent payoff quote and a realistic trade value. Dealers confirm actual figures.

2. Your budget and replacement vehicle

Enter your payoff and trade-in value, then choose “Compare My Options.” Results appear here in step 3: compare options and potential matches.

Estimates only. Potential matches are based on the information provided and published program rules. Actual rates, trade-in values, financing terms, and approval require confirmation by the dealer and lender.