How to Trade in a Car That Is Not Paid Off?

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At Hendrick Buick GMC Cary, many of our customers aren’t always aware of the trade-in process when it comes to a vehicle that may not be fully paid off yet. Learn how to trade in a car you still owe on with our finance team. We’ll help you make the smartest decision for your budget and driving needs!

 

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Is Your Vehicle’s Equity Positive or Negative?

If you’re in the Apex area and you’re exploring how to trade in a car that is not paid off, you will need to figure out if you have negative or positive equity on your current vehicle:

  • Positive equity: Your car is worth more than what you still owe
  • Negative equity: Your car is worth less than what you still owe

Trading in a Car with Negative Equity

Any Holly Springs drivers who have negative equity still have a few options for trading in their vehicle. Here is how to trade in a car that is not paid off:

  • Make up the difference you still owe after accounting for the trade-in price. If you can afford to make up the difference at the time of trade-in, this option can easily work in your favor.
  • Another option is to transfer the amount you still owe over to a new loan. Many Raleigh drivers choose this option due to it being one of the easiest choices. Keep in mind that transferring the amount to a new loan will cause your monthly payments to increase.
  • If those two options aren’t for you, then you should seek out a dealership that can offer a competitive trade-in offer. At Hendrick Buick GMC Cary, we have a nationwide used inventory with thousands of vehicles — that means when we acquire your vehicle, we’re able to give you a higher trade-in offer. A higher trade-in offer can help offset negative equity.

Learn More About the Trade-in Process with Hendrick Buick GMC Cary

Now that you know how to trade in a car you still owe on, contact us at Hendrick Buick GMC Cary once you’ve browsed our new vehicle inventory.

 

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Hendrick Vehicle Disclaimer:

 

$899.00 Dealer Administrative Fee included in advertised price.

All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.

All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.

 

Additional Disclaimers:

 


*Example based on survey. Each dealer sets own price. $359/month for 24 months. Your payments may vary. Payments are for a 2026 Buick Envision AWD Sport Touring with an MSRP of $45,495. Based on due at signing amount of $6,239 (after all offers). 24 monthly payments total $8,616. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **For Current Lessees of 2021 model year or newer Buick and GMC vehicles at least 30 days prior to the lease of a new GM vehicle through GM Financial : Payments are based on an MSRP of $45,495. Based on due at signing amount of $4,989 (after all offers). 24 monthly payments total $8,616. Must show proof of lease. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **Monthly payment is $17.92 for every $1,000 you finance. Average example down payment is 17.6%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 137 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Offer includes all dealer discounts and OEM incentives. Offer does not include tax, tag, title, and fees. Discount varies by model and stock number. Example stock #T21505. See dealer for details. Take retail delivery by 11/30/26. **Monthly payment is $16.67 for every $1,000 you finance. Average example down payment is 8.8%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 92 days. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Offer includes all dealer discounts and OEM incentives. Offer does not include tax, tag, title, and fees. Discount varies by model and stock number. Example stock #T21505. See dealer for details. Take retail delivery by 11/30/26. **Monthly payment is $16.67 for every $1,000 you finance. Average example down payment is 8.8%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 92 days. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Monthly payment is $18.37 for every $1,000 you finance. Example down payment is 28.3%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/2/26. **MUST BE A CURRENT OWNER OF A 2012 MODEL YEAR OR NEWER NON-GM VEHICLE OR A CURRENT LESSEE OF A 2021 MODEL YEAR OR NEWER NON-GM VEHICLE FOR AT LEAST 30 DAYS PRIOR TO NEW VEHICLE SALE. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 92 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Offer includes all dealer discounts and OEM incentives. Offer does not include tax, tag, title, and fees. Discount varies by model and stock number. Example stock #T21250. See dealer for details. Take retail delivery by 11/30/2026. **Length of contract 36 months. Monthly payment is $29.48 for every $1,000 you finance. Example down payment is 19.9%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Length of contract 48 months. Monthly payment is $23.44 for every $1,000 you finance. Average example down payment is 11.3%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. **Not available with some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 92 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Example based on survey. Each dealer sets own price. $199/month for 24 months. Your payments may vary. For eligible new and unused models leased through GM Financial. Payments are for a 2026 Buick Envista Preferred with an MSRP of $26,495. Based on due at signing amount of $5,199 (after all offers). 24 monthly payments total $4,776. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **Monthly payment is $18.37 for every $1,000 you finance. Average example down payment is 14.1%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 137 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Example based on survey. Each dealer sets own price. $199/month for 24 months. Your payments may vary. For eligible new and unused models leased through GM Financial. Payments are for a 2026 Buick Encore GX FWD Preferred with an MSRP of $27,995. Based on due at signing amount of $5,149 (after all offers). 24 monthly payments total $4,776. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **Length of contract 36 months. Monthly payment is $28.60 for every $1,000 you finance. Example down payment is 17.5%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 137 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Example based on survey. Each dealer sets own price. $359/month for 24 months. Your payments may vary. Payments are for a 2026 Buick Envision AWD Sport Touring with an MSRP of $45,495. Based on due at signing amount of $6,239 (after all offers). 24 monthly payments total $8,616. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **For Current Lessees of 2021 model year or newer Buick and GMC vehicles at least 30 days prior to the lease of a new GM vehicle through GM Financial : Payments are based on an MSRP of $45,495. Based on due at signing amount of $4,989 (after all offers). 24 monthly payments total $8,616. Must show proof of lease. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **Monthly payment is $17.92 for every $1,000 you finance. Average example down payment is 17.6%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 137 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Example based on survey. Each dealer sets own price. $439/month for 24 months. Your payments may vary. For eligible new and unused models leased through GM Financial. Payments are for a 2026 Buick Enclave FWD Preferred with an MSRP of $48,395. Based on due at signing amount of $4,919 (after all offers). 24 monthly payments total $10,536. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-30-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $495 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers. **Length of contract 36 months. Monthly payment is $28.60 for every $1,000 you finance. Example down payment is 14.2%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/30/26. ***Deferred monthly payments for 137 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 11/30/26.

*Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between November 3, 2026 and December 31, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 90 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by December 31, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Offer ends 11/30/2026. See participating GM Dealerships for details and list of tire brands. Purchase and installation must be made at a participating U.S. GM Dealer. Highest or equal value tire will be $1. Maximum consumer purchase price of $450 per tire. Additional taxes and fees may apply. Offer subject to availability and may change at any time. Limit one offer per VIN. No other tire offers apply. DEALER INSTRUCTIONS: For each valid tire offer redeemed at your dealership 10/1/2026-11/30/2026, claims for reimbursement can be submitted via the GM Tire Central website.

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