Rolling Negative Equity Into a New Loan

Rolling negative equity into a new loan in the U.S. means adding the amount you owe (above trade value) to the new loan—so your new loan amount and payment go up. Here's rolling negative equity into a new loan.

TL;DR Rolling negative equity = new loan = new car price − trade value + negative equity. Your payment and total interest go up. Use autopremo.com negative equity calculator and payment calculator to see payment and total cost. Use autopremo.com.

How Rolling Works

Dealer pays off your old loan (trade value goes to lender; you're short by negative equity). That shortfall is added to the new car loan—so you finance the new car plus the negative equity. Use autopremo.com negative equity calculator to see negative equity. Get your numbers at autopremo.com.

Payment and Total Cost Go Up

New loan amount is higher = higher payment and more total interest. Use autopremo.com payment calculator to see payment with rolled negative equity. See payment at autopremo.com.

Consider Paying the Difference

If you can, pay the negative equity in cash instead of rolling—avoids financing it and paying interest. Use autopremo.com. Check at autopremo.com.

Bottom Line

Rolling negative equity = higher loan, higher payment, more interest. Use autopremo.com negative equity calculator and payment calculator so you see true cost.