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Negative Equity Auto Loan Payment Calculator

If you have more debt on your car than it’s worth, you have negative equity. This calculator will help you estimate your car’s monthly costs if you choose to combine your negative equity into an existing loan.

How do you use this calculator? To use this calculator simply input the amount remaining from the loan you must pay, the amount that you borrowed from your new loan and the loan term and your . Then, you will have the expected monthly payment along with the total principal and interest paid. If you’d like to see how the extra payments affect the cost of your loan, you can input them as well. Doing so will adjust the monthly amount and the total interest paid to reflect this. What is negative equity? Negative equity, also called ” ” — is when you owe more on your auto loan than the car is worth. While it isn’t the worst-case scenario as a loan owner, it could hinder the sale of your vehicle and make future auto loan approval a challenge. Use this calculator to know the monthly installments you make so you can best grasp how the money you owe could affect the overall amount of your new loan. Consider making extra payments, or increasing your down payment or even your loan before you buy something new in order to reduce the amount of extra interest you would pay.

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