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Honestly, if you're upside down in your Camry (Trade-in Value is less than what you Owe) then you'll be adding the difference to your loan amount. So let's just say FRS is 25k, you add the difference which you say is about 3k (what are you financing for like 8 years?) then your loan amount will be 28k +++. If you put the down payment on it, then you'll be negating the damage done by your camry, but you'll also be out of paying for it. My honest guess here is that you will be paying slightly more for your FRS than your camry even with a great interest rate.
Do your research. Find out how much you owe, what it's worth by going to kbb.com or nada. Then go to the dealership.
And this time, JUST IN CASE, purchase GAP insurance. GAP insurance is honestly the best thing ever. It's just in case you purchase a car and sell it during your loan term and you owe more than it's worth. The GAP insurance pays for the difference. Seems like you like to drive new cars every once in a while. It'll surely make up the difference. And it's only like 5-10 extra a month right guys?
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