We Take Trades - Even If You Still Owe On It

Credit not so good? And you need a new set of wheels but you still owe on the existing car loan. Worried you won’t get approved? Every situation is unique and The Car Loan Lady has the experience to get you into a solution that works for you. We buy your trade even if you don’t buy another vehicle from us.

You have options

Regardless of your credit situation, trade in or down payment status we can help get you into the vehicle and situation that is best for your needs. The best financing solution for you depends on knowing where you’ve been and where you’re headed:

• I still owe on the trade in: Even if you owe more than the trade in is worth (called negative equity or upside down) isn’t an automatic “no”. Our lenders often can approve the payout on the old vehicle and add it to the new loan. They look at many factors, usually focusing on your current ability to pay.
• What is my trade in worth: We offer a competitive value to your trade in. Key factors such as vehicle age, condition and mileage all impact the value. We take all makes and models, any year, any mileage in trade.
• Save more with a trade in: You save the tax on the value of your trade in against your purchase of another vehicle. When you trade in, you only have to pay the tax on the difference, not the total price.
• Do I still need a down payment if I have a trade: Depending on your situation your trade in may reduce or eliminate the need for a down payment.
• We can buy YOUR Car: You don’t have to buy a car from us in order to sell us your current vehicle. Stop by for a no obligation evaluation on your vehicle.

We’ll help you with the right guidance using our years of specialized experience in this industry and ensure you are treated fairly. Our goal is to help you secure a car loan that fits your budget. It all starts with understanding your options whether you are buying, selling or both!

The right experience leads to the right solution

Reach out today at caroline@thecarloanlady.caor 647 407 7487 and discover what’s possible! No matter where you’re starting from, there’s always a way forward. © The Car Loan Lady 2025, all rights reserved.