A simple Answer TO yOUr Question
Should I roll negative equity into my next car loan?
Rolling negative equity into a new loan is generally not advisable because you start the new loan already underwater. If you owe $5,000 more than the car is worth, adding that to a new $30,000 loan means you owe $35,000 on a $30,000 car on day one. This can trap you in a cycle of negative equity. It is usually better to pay down the difference separately if you can.
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The Smart Buyer's Guide to Leasing vs. Buying in 2026
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✓ When to lease vs. buy
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