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3400-E Route 42, Turnersville, NJ, 08012

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Dealership Info

Phone Numbers:Service Hours:
  • Mon - Fri7:30 AM - 5:00 PM
  • Sat7:30 AM - 4:30 PM
  • SunClosed
Sales Hours:
  • Mon - Fri9:00 AM - 7:00 PM
  • Sat9:00 AM - 5:00 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:30 AM - 5:00 PM
  • Sat7:30 AM - 4:30 PM
  • SunClosed

How to Trade in a Car That’s Not Paid Off

Excited Couple Reviewing Trade in Offer with Salesman

Not everyone wants to hold on to their car until it’s completely paid off. You might be ready to move on to a new car even though there’s some time left on the loan for your current car. If that’s the case, you may be wondering how to trade in a car you still owe on. It’s not as complicated as you probably think. Lots of Turnersville drivers do it every day. So let’s talk about how to trade in a car that’s not paid off.

How to Trade in a Car That’s Not Paid Off – Positive Equity

Suppose you owe $6,000 on your old car, but it is worth $7,000. Congratulations! You have $1,000 in positive equity. That means when you trade in the car, the dealer will just pay the $6,000 that is still owed on your old loan and apply the remaining $1,000 towards your down payment for your new car.

How to Trade in a Car That’s Not Paid Off – Negative Equity

On the other hand, suppose you owe $7,000 on your old car, but it’s only worth $6,000. That means you have $1,000 in negative equity. Don’t worry. Our finance department has helped lots of Cherry Hill drivers in this situation. You can do one of two things: either pay that $1,000 difference before buying the new car, or the dealer takes over your old loan and adds that $1,000 to what you’ll owe for your new car.

How to Trade in a Car You Still Owe On – The Process

To sum up, just follow these steps on how to trade in a car you still owe on:

  • Find out how much you still owe on your car.
  • Use our online tool to calculate its value.
  • If you still owe more than what the car is worth, determine whether you can pay off that difference, or you need to ask us to roll that difference on to your new loan.
  • If your car is still worth more than what you owe on it, just bring it in and pick out your new car.

Talk to Us About Your Options

We make it easy to get financing at Acura Turnersville, regardless of how much you owe on your current car. Why? Because we want to see you behind the wheel of your next car. You can even get approved for financing before you ever step foot on our lot. We’re just down the road from both Maple Shade and Medford. So, drop by or contact us today!


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Acura Turnersville 39.730105, -75.032102.