Deal Math
Negative Equity Roll In
What does the Negative Equity Roll In do?
See how upside down trade equity rolls into the new payment. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.
Try it now
Negative equity roll-in.
See if the trade is upside down, how much rolls into the new loan, and what that adds to the payment, before you ever pencil it.
What they still owe on the trade
What you are giving for the trade
Selling price of the new car
Annual rate on the new loan
Length of the new loan
Without roll-in
$612/mo
With roll-in
$682/mo
- Trade payoff
- $22,000
- Trade allowance
- $18,000
- Trade equity
- -$4,000
- New vehicle price
- $35,000
- Negative equity rolled in
- $4,000
- Amount financed with roll-in
- $39,000
- Payment without
- $612
- Payment with
- $682
- Monthly difference
- $70
This mirrors a standard payoff versus allowance, negative equity rolled into a simple-interest amortized loan. Taxes, fees, rebates, and your lender's actual structure will move the real number, so treat this as your napkin math, not a contract.
How to use it
- Enter your numbers or details in the tool above.
- Read the result instantly, no signup and nothing to install.
- Use it live with your customer to build trust and move the deal.
Common questions
What is the Negative Equity Roll In?
See how upside down trade equity rolls into the new payment. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.
Is the Negative Equity Roll In free?
Yes. The Negative Equity Roll In is free to use with no signup. JOEY also offers a full personal sales assistant if you want it to work your follow-up for you.
Who is the Negative Equity Roll In for?
It is built for the car salesperson who wants an edge, not for a corporate rollout. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.
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Want JOEY to do the work for you?
These free tools are a taste. JOEY is a personal sales assistant that works your follow-up, texts, emails, and call prep so you sell more every day.