---
id: faq-0032
title: "What if I owe more than my car is worth?"
category: faq
subtopic: trade-in
page_type: faq
source_url: "https://www.castlecdjrnaperville.com"
tags: ["trade-in", "negative-equity", "upside-down"]
questions:
  - "What happens if my car is worth less than I owe?"
  - "Can I trade in an upside-down car?"
  - "How do I handle negative equity?"
related: [trade-in-loan, finance-options]
dealer: Castle CDJR of Naperville
---

If your vehicle is worth less than your remaining loan balance, that's called negative equity-and it's more common than you might think. Our Finance team at Castle CDJR of Naperville can help you explore options. In some cases, you might roll the difference into a new loan on your next vehicle, or we can discuss other approaches based on your situation and credit profile. Every case is unique, and our finance experts are here to find a solution that makes sense for you. The key is to talk through the numbers honestly. Call (630) 864-6683 to discuss your specific situation, and we'll help you understand what's possible and find a path forward that feels right.