how do you trade in a car that isn't paid off yet?


Asked by Feb 16, 2015 at 05:20 PM about the 2006 Volkswagen Passat 2.0T

Question type: Shopping & Pricing

I want to trade in my car to get my ex off the loan as opposed to refinancing.  How do
dealers handle this when there is a balance still owing on the car loan?

2 Answers


Depends on how much equity you have, if it's worth what's owed, and if the registration says "AND or "OR" you and the ex. If it says OR, you are ok. If it says "AND" they won't touch the deal without her signature

1 out of 1 people think this is helpful.

The dealer will add the balance you owe and add it to the new car purchase. BUT- check with your local Better Business Bureau first to see if any of the dealers you're considering have a record of not paying these balances in a timely manner. It's one of the largest complaints filed with the BBB against auto dealers.

1 out of 1 people think this is helpful.

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