Negative equity happens when you owe more on your current car loan than the vehicle is actually worth, which is common in the first couple of years of ownership due to depreciation. This negative equity auto loan calculator shows you what happens when that remaining balance gets rolled into a new car loan — it increases your new loan amount and monthly payment, sometimes significantly, since you’re essentially financing two vehicles’ worth of debt on one loan.
Find out exactly what happens when you roll an “upside-down” car loan into a new vehicle purchase.
1. New Vehicle Details
2. Trade-in Equity & Cash
3. New Loan Terms
Awaiting Details
Enter your purchase and trade-in payload to reveal your Loan-to-Value ratio and exact monthly payment breakdown.
New Monthly Payment
For 0 Months
LTV Ratio
Calculating…
Equity Rolled In
$0
Total Financed
$0
Total Interest Over Life of Loan
$0
Financial Insight
Analysis pending…
Before rolling negative equity into a new purchase, it’s worth checking exactly how much you owe versus what your current car is worth using our car resale value calculator and comparing it against your loan payoff amount from our car loan payoff calculator. In some cases, waiting until the loan balance drops below the car’s value — sometimes achievable through refinancing or extra payments — can avoid rolling negative equity into your next loan altogether.