Calculate how rolling negative equity into a new loan affects your monthly payment and total cost. See roll-in impact, compare alternatives, and make informed decisions about your next vehicle purchase.
Negative equity occurs when you owe more on your car loan than the vehicle is worth. This "upside down" situation is common with new cars that depreciate rapidly in the first few years.
Key factors that lead to being underwater on your loan
See the real cost of rolling negative equity
Result: Rolling in $6,000 negative equity costs an extra $116 per month and $960 in additional interest.
Use our calculator to make an informed decision
Use our free negative equity calculator above to see exactly how rolling in your underwater loan will affect your new monthly payment and total cost. This helps you make an informed decision and explore alternatives before committing to a new loan.
Enter your current loan details and new vehicle information to see how rolling negative equity affects your new loan payment and total cost.
Enter your current loan payoff and trade-in value
See your current vehicle's equity position
You owe $6,000.00 more than your car is worth
Enter your new vehicle and loan information
See how the new loan affects your monthly payment
Monthly Payment (with roll-in)
$676.43
See how rolling negative equity affects your new loan
Rolling your negative equity into the new loan will increase your monthly payment by $100.86and cost an additional $7,262 in interest over the loan term.
+$100.86
Per month
$7,262
Over loan term
$40,240
Including roll-in
Strategies to prevent being underwater on your loan
The best way to avoid negative equity is to make a substantial down payment (20% or more) and choose vehicles that hold their value well.
Better options than rolling in underwater debt
Before rolling negative equity into a new loan, consider these alternatives that may save you money:
Choose vehicles that hold their value well
Need help with your car financing? Use ourauto loan calculatorto find the best rates orrefinance calculatorto lower your payments.
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Common questions about negative equity, roll-in costs, alternatives, and car loan strategies
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