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  • Can You Refinance a Car With Negative Equity? | LendingTree
    Yes, you can refinance a car that’s upside-down Be sure you understand the costs and potential risks of refinancing a vehicle with negative equity, as well as what it may take to qualify for a loan
  • Upside Down on a Car Loan? Here’s What To Do - Kelley Blue Book
    Being upside down on a car loan means you owe more on your car loan than the vehicle is worth Here are some options if you find yourself in this situation
  • Refinance - CEFCU
    Looking to refinance your CEFCU Mortgage? If you’re dreaming of lower monthly payments, reduced interest rates, or extra cash for home improvements, a refinance could be the key to unlocking your home's potential
  • CEFCU Vehicle Loans — Competitive Rates and Easy Approval - CEFCU
    Personal Service from a team of experienced professionals No Hidden Fees or Penalties like application or pre-payment costs Preapproval to make car shopping easier Refinance Options for saving money in the long run Fast Approval so you can get the vehicle you need
  • How to Get Out of Negative Equity on Your Car Loan
    If the situation is reversed (the value is less than the loan balance), you’re upside down on the loan For example, a loan payoff of $24,000 combined with a car’s market value of $19,000 leaves a shortfall or negative equity of $5,000 In 2025, the average negative equity climbed to over $7,200, a record high
  • Upside Down Car Loan: What It Is Ways to Get Out
    Being upside down on your loan means you owe more money on your vehicle than it's currently worth Refinancing can help you get out from under a negative equity car loan When you trade in your car, you can roll any negative equity into the new loan
  • How to Get Out of an Upside-Down Car Loan - LendingTree
    Yes, you can trade in an upside-down car for a cheaper car, but you’ll still need to pay the remaining loan balance, which can be done by rolling the negative equity (what you still owe) into the new car loan
  • How To Get Out of an Upside-Down Car Loan - The Wall Street Journal
    An upside-down car loan is one on which you owe more than the vehicle is worth You can get out of an upside-down car loan by making extra payments or refinancing to a lower
  • How To Get Out of an Upside-Down Car Loan | Intuit Credit Karma
    Getting out of an upside-down car loan means making some difficult decisions Depending on your financial resources and time frame, you may want to refinance your loan or pay off your negative equity in a lump sum
  • How to get out of a negative equity car loan - Caribou
    You may be able to refinance a car with negative equity, but approval depends on your credit, income, vehicle, payoff amount and loan-to-value ratio Refinancing won’t erase negative equity, but a lower APR could help more of your payment go toward the balance





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