It is almost never a good idea to trade a vehicle in. It is almost always better to sell the vehicle on your own, get the full value for it, then use said cash as a down payment. However, you have negative equity in your vehicle, so it will be easier to trade it in, and have them deal with the payoffs.
And if you want lower payments on your current car, you have to do one of two things:
2. Buy another car
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