Trade-In

Your current car is part of the deal.

Understand value, payoff and equity before your trade is folded into the next vehicle decision.

An older sedan beside a newer SUV illustrating trading in a current vehicle.
The full picture

Four numbers and facts that shape the next step.

Current value

Condition, mileage, history and market demand all affect an estimate until the vehicle is inspected.

Payoff

The current lender payoff is compared with the vehicle value to understand the remaining position.

Equity

Positive equity may lower the amount financed. Negative equity must be accounted for in the next structure.

Next payment

Trade value, taxes, vehicle price and financing terms work together—not as separate numbers.

How it affects payment

Equity changes the amount you finance.

If an inspected trade value exceeds the payoff, the difference may reduce the next amount financed. If the payoff is higher, that negative equity must be addressed. Taxes, fees, vehicle price and lender terms also affect the final result.

What to bring

  • Vehicle registration and identification
  • Current lender and payoff information
  • Approximate mileage and condition details
  • Available service and maintenance history
Equity in plain terms

Your trade is a number in the next deal, not a separate one.

Value, payoff and the amount financed move together. We show the whole structure before anything is signed.

Understand the numbers →
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Questions

Trade-in questions, answered.

Is an online estimate a guaranteed trade value?+

No. Final value depends on inspection, condition, history and current market conditions.

Can I trade a vehicle that still has a loan?+

Often, yes. The payoff and estimated value must be compared to understand positive or negative equity.

What should I have ready?+

Registration, lender and payoff information, approximate mileage, condition details and available service history are helpful.

Find My Car

Tell us what you’re looking for.

Answer a few quick questions and our team will review vehicle options that fit your priorities.

  1. 01About you
  2. 02Vehicle & payment
  3. 03Trade-in & timing

Submitting this form is not a credit application and does not guarantee vehicle availability, approval, payment or financing terms.

Vehicle availability, pricing, incentives, trade-in values and financing or lease terms are subject to change and final confirmation. All credit applications are subject to lender approval. No approval, interest rate, monthly payment or specific vehicle is guaranteed.

Start with what matters to you

Let’s find a smarter way into your next vehicle.

Tell us what you need. We’ll help you compare new and pre-owned options, financing, leasing and trade-in possibilities.