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How to trade in your car: 5 simple steps to take Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive financial calculators and tools, publishing original and objective content, by enabling you to conduct research and compare information for free to help you make informed financial decisions. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies that compensate us. This compensation can affect the way and when products are featured on this site, including the order in which they may be listed within the categories of listing in the event that they are not permitted by law. This applies to our mortgage or home equity products, as well as other products that lend money to homeowners. However, this compensation will affect the information we provide, or the reviews you read on this site. We do not include the entire universe of businesses or financial offerings that could be open to you.



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6 minutes read. Published on October 11, 2022.
The story was written by David McMillin. by the writer who contributed to the writing

David McMillin is a contributing writer for Bankrate and covers topics like mortgages, credit cards banks, taxation, and travel. David's goal is to help readers figure out how to save more and stress less.








The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances with precise, well-studied information that breaks down complicated subjects into digestible pieces.









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Trading in your car eliminates the burden of selling a car. The primary benefit of trading in your car is that it allows you to apply the trade-in value of your old vehicle directly to a new one. This is particularly beneficial when you're . These steps will allow you to maximize the value of the vehicle exchange. Five steps to sell your vehicle. Doing your homework and understanding the best way to navigate the process of trade-in can help you increase the amount your trade-in is worth. 1. Find out what you can get for your automobile.. The first step in trading in your car is to figure out the exact value . Figuring this number out yourself can help you feel empowered when it comes time to negotiate, and will help increase the chance of getting an acceptable deal. Instead of being patiently waiting to learn what the dealer thinks you should do some investigation to find out the value of your car. Tools for appraisals online, such as Kelley Blue Book or Edmunds and can help you assess the value of your vehicle. If you have them, try using estimator tools that will give you a deeper sense of the amount your car can be worth based on the car's attributes that go beyond model, make, year and mileage. Value can also be affected by external influences. If prices for gas are excessive, as they are now, a car that gets better gas mileage might be more popular than a large truck. 2. Examine your finances Trading in a vehicle requires more than assessing the vehicle. You'll also need to evaluate your financial situation to on the other side of the deal. If you are , determine the trade-in value of your car will be enough to cover the remainder portion of your loan. You can do this by calling your lender to determine the amount of loan's repayment and comparing that figure to the value of your vehicle's trade-in. Visit multiple dealers to request quotes for trade-ins and get an accurate idea of much dealers will be willing to pay. Keep in mind that if a dealership offers to pay your loan off on your behalf then you'll likely be able to apply the payoff amount to the new loan for the next car you purchase. 3. Request offers from several dealers You don't have to go to the dealer in order to begin the process of trading in. In fact, it is possible to request dealers come to you with the price. A lot of online value estimators, such as Kelley Blue Book and TrueCar have connections to dealers who will offer offers based on the information you give about your car. It's also possible to start with the place you purchased the car. "If the customer is able to go to the same dealership where he or she purchased the car, he she may be able to negotiate a better deal since they have a good relationship and history with the dealer," says Meghan Davlin, director of member engagement and communications of the Illinois Fuel and Retail Association. 4. Clean your car cleaner car is more likely to be sold. Make the effort to clean both the both the exterior and interior of your car to ensure that you're showing your vehicle in the best condition to make it easier for buyers "Make sure your car is spotless and you're showing it in the same way you'd want to get it purchasing your own," says Alain Nana-Sinkam, senior vice president of development for businesses at TrueCar. "Also should you find small flaws you had planned to fix prior to the transaction, ensure that you make them happen so that the vehicle is delivered to the dealer as you had declared and the dealer is expecting it." A nicely maintained vehicle is likely to fetch a more favorable value. Make sure you don't spend more money for repairs than what you plan to sell it for. Be sure to have any service records on hand. It is an excellent time to check for any recall notices for your car. If there are any defective components that caused an recall this could result in a safety risk. Most recalls lead to the repairs or the replacement of the vehicle component at no cost to the buyer. 5. Schedule an appointment with a dealer . Car dealerships are usually busy. Make an appointment in advance to avoid waiting. The appraiser will review your vehicle to ensure that the information you submitted online is correct. "Ask whether you are able to be with the appraiser to ask questions about what they're using to determine how much they value your car," says Joe McCloskey the president of McCloskey Motors located in Colorado Springs, Colorado. "Most dealerships will provide this information with you, and having this information will aid you in understanding what the dealer is doing and how it will be evaluating your vehicle's worth." Be sure to bring the vehicle registration, the title and the keys in all sets. If you don't have the title because you're trading in a car that is still under loan be sure to have the lender's details ready to be handed over. Don't forget that you don't have to accept the initial trade-in amount a dealer suggests. You can negotiate your car's trade-in value. Dealers generally begin by offering the lowest price they can. Let the dealer know that the offer appears too low, in comparison to other dealers or the price you've uncovered in your study. Negotiating the trade-in price separate from the purchase price for your new car will also help ensure that you are getting the most value for your trade-in. When is the best time to trade in your car . The primary factor being able to determine if it's a good idea to trade in your car is your vehicle's equity. The equity of your car represents the gap between what you owe to the car and the current value it has. It's best not to trade with your car when you are , which is the same as having . This means you owe more on the vehicle loan than what the vehicle is worth today. This is a challenging situation to be in because you will still have to pay for the remaining loan balance after trading in your car. If you can, hold off and keep paying until you're no longer underwater. If you have to sell your car with negative equity, you should consider purchasing a less-expensive vehicle to help limit the loss. Possessing equity that is positive in contrast is a desirable position to be in since it lets you take the value you earn from your vehicle and use it towards the purchase cost of the new car. The pros and pros of trading your vehicle to trade in your car in, make sure that you know the advantages and drawbacks of selling the car yourself. Benefits of trading in a car The biggest benefit of trading your car in is that it can save you from the hassle and stress of selling the vehicle by yourself. This requires determining the appropriate price, putting the vehicle up for sale in a place where buyers can be able to see it, and dealing with prospective buyers. When you trade it in, the dealer does a lot of the work for you. "In many states, there's also an advantage in taxation when buying and trading in at a dealer" Nana-Sinkam explains, "because in those states they charge taxes only upon the gap between value of the trade-in and the new vehicle price instead of having to pay full tax on the full cost of purchasing a new vehicle." Additionally trade-in your car will make it easier for you to go about selling your old vehicle and purchasing a brand new one. Rather than going to multiple places, you can take your old vehicle to the dealership and use the value of your trade-in as an equity towards your new vehicle. Cons of trading in a car There is one important disadvantage to trading in your car, however: You're likely to not earn as much as you would if you had the vehicle sold yourself. The dealership is trying to make a profit by reselling your used vehicle to a different driver and you'll lose the extra amount. Trading your car in might restrict your options in the purchase of the next car. If you're looking to use the value of your previous vehicle as the down payment for a new car then you might want to purchase your next car from a dealership willing to buy the old one. The next step is trading in your old car instead than selling it yourself can make it easier to get into a new vehicle. To maximize the cash you make, start by analyzing the worth of your vehicle using free online estimators for cars. Before you visit the dealer, you should have your car cleaned inside and out and make cost-effective minor repairs. It's recommended to solicit offers from several dealers, and keep in mind that you are able to negotiate the trade-in price.


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Written by Contributing writer

David McMillin is a contributing writer for Bankrate and writes about topics such mortgages, credit cards and credit cards, banking, taxes and travel. David's aim is to help readers discover ways to save money and also stress less.




The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to manage their finances by providing precise, well-researched and well-sourced facts that break down complex subjects into digestible pieces.






Auto loans editor




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