Negative equity is payoff minus actual value. Not payoff minus what a salesperson needs the appraisal to be.

You can write a check for the hole. You can roll some of it into a new loan if the next car and the lender allow it. You can wait. Those are the honest three. 'It disappears if you lease today' is a sentence that should make you walk.

Rolling a large hole into a short lease is how payments get ugly. Rolling it into a longer loan is how you stay upside-down on the next car too. We will show both before you pick.

Send year, make, model, miles, and a payoff letter. We will not guess your payoff.