Best New Cars to Absorb Negative Equity December 2023

See how much negative equity a bank will finance in an upside down car loans based on your credit score, rebates, down payment, and trade value and trade payoff.

Rolling Negative Equity in an Upside Down Car Loan

Click the + Customize Payments button to tailor your new car auto loan payments to your exact preferences. Our estimated payments assume great credit, $0 down, and encompass state taxes, as well as typical DMV and dealer document fees. The Sticker Price accounts for the MSRP and Destination Charge. Make it uniquely yours by adjusting factors such as your state of residence, credit score, down payment, and trade-in value versus trade payoff. Get started now!

State
National
Credit Score / Avg. Rate
781-850 / 7.09%
Max Payment
$0.00
Down Payment
$0.00
Trade Value
$0.00
Trade Payoff
$0.00

If you are in an upside down car loan and want to roll negative equity into a new car loan our calculator will estimate how much negative equity a bank will finance on each vehicle based on your credit score, trade value, and trade pay off. Typically the best new cars to absorb negative equity have generous manufacturer rebates. Edit the values below to calculate how much you can roll and if additional down payment is needed.

Negative Equity Car Model List

Get a lease quote or get pre-approved for financing.

Cars to Roll Over $5,000 Negative Equity

2023 Audi SQ7

Sticker Price Range (2 trims)
$91,395 to $91,395
Car Loan Payment Range
$1,396.77 to $1,396.77
Rebate Offer
$9,000 plus $9,000 Bonus Cash
Special APR Offer
6.99% plus $9,000 Bonus Cash

The 2023 Audi SQ7 has a December 2023 rebate of $9,000 plus $9,000 bonus cash or special interest rate of 6.99% APR plus $9,000 bonus cash. It is a midsize 4 door sport utility vehicle with 2 trim levels (Prestige 4.0 TFSI quattro, Premium Plus 4.0 TFSI quattro).

2023 Audi SQ8

Sticker Price Range (2 trims)
$96,695 to $96,695
Car Loan Payment Range
$1,547.70 to $1,547.70
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2023 Audi SQ8 has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a midsize 4 door sport utility vehicle with 2 trim levels (Premium Plus 4.0 TFSI quattro, Prestige 4.0 TFSI quattro).

2023 Audi Q5

Sticker Price Range (9 trims)
$45,395 to $58,595
Car Loan Payment Range
$690.21 to $910.85
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2023 Audi Q5 has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a small 4 door sport utility vehicle with 9 trim levels (Premium 40 TFSI quattro, Prestige 40 TFSI quattro, Premium Plu...

2023 Audi Q5 Sportback

Sticker Price Range (3 trims)
$52,195 to $52,195
Car Loan Payment Range
$803.88 to $803.88
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2023 Audi Q5 Sportback has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a small 4 door sport utility vehicle with 3 trim levels (S line Premium 45 TFSI quattro, S line Prestige 45 T...

2023 Audi SQ5

Sticker Price Range (3 trims)
$57,695 to $57,695
Car Loan Payment Range
$895.81 to $895.81
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2023 Audi SQ5 has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a small 4 door sport utility vehicle with 3 trim levels (Premium 3.0 TFSI quattro, Prestige 3.0 TFSI quattro, Premium ...

2023 Audi SQ5 Sportback

Sticker Price Range (3 trims)
$61,095 to $61,095
Car Loan Payment Range
$952.64 to $952.64
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2023 Audi SQ5 Sportback has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a small 4 door sport utility vehicle with 3 trim levels (Premium 3.0 TFSI quattro, Prestige 3.0 TFSI quattro...

2023 Hyundai IONIQ 5

Sticker Price Range (7 trims)
$42,785 to $57,835
Car Loan Payment Range
$607.63 to $859.19
Rebate Offer
$7,500 plus $2,500 Bonus Cash
Special APR Offer
0.99% plus $2,500 Bonus Cash

The 2023 Hyundai IONIQ 5 has a December 2023 rebate of $7,500 plus $2,500 bonus cash or special interest rate of 0.99% APR plus $2,500 bonus cash. It is a compact 4 door sport utility vehicle with 7 trim levels (SE Standard Range, SE RWD, SEL RWD, Limited RWD, SE ...

2023 Hyundai IONIQ 6

Sticker Price Range (7 trims)
$42,715 to $57,215
Car Loan Payment Range
$606.46 to $848.82
Rebate Offer
$7,500 plus $2,500 Bonus Cash
Special APR Offer
0.99% plus $2,500 Bonus Cash

The 2023 Hyundai IONIQ 6 has a December 2023 rebate of $7,500 plus $2,500 bonus cash or special interest rate of 0.99% APR plus $2,500 bonus cash. It is a midsize 4 door sport utility vehicle with 7 trim levels (SE Standard Range RWD, SE RWD, SEL RWD, Limited RWD,...

2024 Audi Q8 e-tron

Sticker Price Range (3 trims)
$75,595 to $75,595
Car Loan Payment Range
$1,195.01 to $1,195.01
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2024 Audi Q8 e-tron has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a midsize 4 door sport utility vehicle with 3 trim levels (Premium quattro, Prestige quattro, Premium Plus quatt...

2024 Audi Q8 e-tron Sportback

Sticker Price Range (3 trims)
$78,995 to $78,995
Car Loan Payment Range
$1,251.84 to $1,251.84
Rebate Offer
$5,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash

The 2024 Audi Q8 e-tron Sportback has a December 2023 rebate of $5,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a midsize 4 door sport utility vehicle with 3 trim levels (S line Premium quattro, S line Prestige qua...

2023 Audi Q7

Sticker Price Range (5 trims)
$60,395 to $65,995
Car Loan Payment Range
$956.53 to $1,050.13
Rebate Offer
$4,000 plus $4,000 Bonus Cash
Special APR Offer
6.99% plus $4,000 Bonus Cash

The 2023 Audi Q7 has a December 2023 rebate of $4,000 plus $4,000 bonus cash or special interest rate of 6.99% APR plus $4,000 bonus cash. It is a midsize 4 door sport utility vehicle with 5 trim levels (Premium 45 TFSI quattro, Premium Plus 45 TFSI quattro, Premi...

2023 Audi A4 Sedan

Sticker Price Range (6 trims)
$41,395 to $43,495
Car Loan Payment Range
$654.52 to $689.63
Rebate Offer
$3,000 plus $3,000 Bonus Cash
Special APR Offer
6.99% plus $3,000 Bonus Cash

The 2023 Audi A4 Sedan has a December 2023 rebate of $3,000 plus $3,000 bonus cash or special interest rate of 6.99% APR plus $3,000 bonus cash. It is a compact 4 door sport utility vehicle with 6 trim levels (Premium 40 TFSI quattro, Premium Plus 40 TFSI quattro,...

2023 Audi Q8

Sticker Price Range (3 trims)
$73,995 to $73,995
Car Loan Payment Range
$1,199.44 to $1,199.44
Rebate Offer
$3,000 plus $3,000 Bonus Cash
Special APR Offer
6.99% plus $3,000 Bonus Cash

The 2023 Audi Q8 has a December 2023 rebate of $3,000 plus $3,000 bonus cash or special interest rate of 6.99% APR plus $3,000 bonus cash. It is a midsize 4 door sport utility vehicle with 3 trim levels (Premium 55 TFSI quattro, Prestige 55 TFSI quattro, Premium P...

2023 Genesis G90

Sticker Price Range (2 trims)
$89,525 to $99,825
Car Loan Payment Range
$1,459.02 to $1,631.19
Rebate Offer
$3,000 plus $3,000 Bonus Cash
Special APR Offer
3.49% plus $3,000 Bonus Cash

The 2023 Genesis G90 has a December 2023 rebate of $3,000 plus $3,000 bonus cash or special interest rate of 3.49% APR plus $3,000 bonus cash. It is a large 4 door sport utility vehicle with 2 trim levels (3.5T AWD, 3.5T e-SC AWD).

2023 Kia EV6

Sticker Price Range (6 trims)
$43,925 to $62,925
Car Loan Payment Range
$665.64 to $983.23
Rebate Offer
$5,000 plus $1,000 Bonus Cash
Special APR Offer
0.90% plus $1,000 Bonus Cash

The 2023 Kia EV6 has a December 2023 rebate of $5,000 plus $1,000 bonus cash or special interest rate of 0.90% APR plus $1,000 bonus cash. It is a compact 4 door sport utility vehicle with 6 trim levels (Light RWD, Wind RWD, GT-Line RWD, Wind AWD, GT-Line AWD, GT ...

2023 Nissan LEAF

Sticker Price Range (2 trims)
$29,155 to $37,155
Car Loan Payment Range
$481.10 to $614.82
Rebate Offer
$1,000 plus $4,750 Bonus Cash
Special APR Offer
2.99% plus $4,750 Bonus Cash

The 2023 Nissan LEAF has a December 2023 rebate of $1,000 plus $4,750 bonus cash or special interest rate of 2.99% APR plus $4,750 bonus cash. It is a midsize 4 door sport utility vehicle with 2 trim levels (S Hatchback, SV PLUS Hatchback).

2023 Nissan ARIYA

Sticker Price Range (10 trims)
$44,555 to $61,555
Car Loan Payment Range
$738.51 to $1,022.67
Rebate Offer
$1,000 plus $4,750 Bonus Cash
Special APR Offer
2.90% plus $4,750 Bonus Cash

The 2023 Nissan ARIYA has a December 2023 rebate of $1,000 plus $4,750 bonus cash or special interest rate of 2.90% APR plus $4,750 bonus cash. It is a compact 4 door sport utility vehicle with 10 trim levels (ENGAGE Front Wheel Drive, VENTURE+ Front Wheel Drive, ...

2023 Genesis G70

Sticker Price Range (4 trims)
$40,525 to $48,125
Car Loan Payment Range
$647.78 to $774.81
Rebate Offer
$2,500 plus $2,500 Bonus Cash
Special APR Offer
3.49% plus $2,500 Bonus Cash

The 2023 Genesis G70 has a December 2023 rebate of $2,500 plus $2,500 bonus cash or special interest rate of 3.49% APR plus $2,500 bonus cash. It is a compact 4 door sport utility vehicle with 4 trim levels (2.0T RWD, 3.3T RWD, 2.0T AWD, 3.3T AWD).

2023 Audi A5 Sportback

Sticker Price Range (6 trims)
$45,695 to $47,795
Car Loan Payment Range
$734.19 to $769.29
Rebate Offer
$2,500 plus $2,500 Bonus Cash
Special APR Offer
6.99% plus $2,500 Bonus Cash

The 2023 Audi A5 Sportback has a December 2023 rebate of $2,500 plus $2,500 bonus cash or special interest rate of 6.99% APR plus $2,500 bonus cash. It is a compact 4 door sport utility vehicle with 6 trim levels (Premium 40 TFSI quattro, Prestige 40 TFSI quattro,...

2023 Audi Q4 e-tron

Sticker Price Range (5 trims)
$50,995 to $56,395
Car Loan Payment Range
$822.78 to $913.04
Rebate Offer
$2,500 plus $2,500 Bonus Cash
Special APR Offer
6.99% plus $2,500 Bonus Cash

The 2023 Audi Q4 e-tron has a December 2023 rebate of $2,500 plus $2,500 bonus cash or special interest rate of 6.99% APR plus $2,500 bonus cash. It is a small 4 door sport utility vehicle with 5 trim levels (Premium 40 RWD, Premium Plus 40 RWD, Premium 50 quattro...

2023 Audi Q4 e-tron Sportback

Sticker Price Range (3 trims)
$59,395 to $59,395
Car Loan Payment Range
$963.19 to $963.19
Rebate Offer
$2,500 plus $2,500 Bonus Cash
Special APR Offer
6.99% plus $2,500 Bonus Cash

The 2023 Audi Q4 e-tron Sportback has a December 2023 rebate of $2,500 plus $2,500 bonus cash or special interest rate of 6.99% APR plus $2,500 bonus cash. It is a small 4 door sport utility vehicle with 3 trim levels (Premium 50 quattro, Prestige 50 quattro, Prem...

Cars to Roll Over $4,000 Negative Equity

2023 INFINITI QX60

Sticker Price Range (8 trims)
$50,395 to $66,695
Car Loan Payment Range
$820.55 to $1,093.00
Rebate Offer
$2,000 plus $2,000 Bonus Cash
Special APR Offer
4.90% plus $2,000 Bonus Cash

The 2023 INFINITI QX60 has a December 2023 rebate of $2,000 plus $2,000 bonus cash or special interest rate of 4.90% APR plus $2,000 bonus cash. It is a midsize 4 door sport utility vehicle with 8 trim levels (PURE Front Wheel Drive, LUXE Front Wheel Drive, SENSOR...

2023 Ram 1500

Sticker Price Range (34 trims)
$39,900 to $86,845
Car Loan Payment Range
$613.95 to $1,398.64
Rebate Offer
$4,000
Special APR Offer
2.90%

The 2023 Ram 1500 has a December 2023 rebate of $4,000 or special interest rate of 2.90% APR. It is a standard bed 4 door sport utility vehicle with 34 trim levels (Tradesman 4x2 Quad Cab 6 Foot4" Box, HFE 4x2 Quad Cab 6 Foot4" Box, Lone Star 4x2 Quad Cab 6 Foot4"...

Cars to Roll Over $3,000 Negative Equity

2023 Kia Niro EV

Sticker Price Range (2 trims)
$40,875 to $45,875
Car Loan Payment Range
$634.14 to $717.72
Rebate Offer
$3,750
Special APR Offer
0.90%

The 2023 Kia Niro EV has a December 2023 rebate of $3,750 or special interest rate of 0.90% APR. It is a compact 4 door crew cab pickup truck with 2 trim levels (Wind, Wave).

2023 Volkswagen ID.4

Sticker Price Range (14 trims)
$40,290 to $56,790
Car Loan Payment Range
$655.54 to $931.33
Rebate Offer
$1,750 plus $1,750 Bonus Cash
Special APR Offer
3.90% plus $1,750 Bonus Cash

The 2023 Volkswagen ID.4 has a December 2023 rebate of $1,750 plus $1,750 bonus cash or special interest rate of 3.90% APR plus $1,750 bonus cash. It is a small 4 door crew cab pickup truck with 14 trim levels (Standard RWD with SK On Battery, Pro RWD with SK On B...

2023 Hyundai Santa Fe

Sticker Price Range (10 trims)
$30,085 to $45,635
Car Loan Payment Range
$473.27 to $733.19
Rebate Offer
$2,500 plus $1,000 Bonus Cash
Special APR Offer
0.00% plus $1,000 Bonus Cash

The 2023 Hyundai Santa Fe has a December 2023 rebate of $2,500 plus $1,000 bonus cash or special interest rate of 0.00% APR plus $1,000 bonus cash. It is a midsize 4 door crew cab pickup truck with 10 trim levels (SE Front Wheel Drive, SEL Front Wheel Drive, XRT F...

2024 Alfa Romeo Stelvio

Sticker Price Range (8 trims)
$47,545 to $88,965
Car Loan Payment Range
$776.80 to $1,469.14
Rebate Offer
$1,750 plus $1,750 Bonus Cash
Special APR Offer
8.23% plus $1,750 Bonus Cash

The 2024 Alfa Romeo Stelvio has a December 2023 rebate of $1,750 plus $1,750 bonus cash or special interest rate of 8.23% APR plus $1,750 bonus cash. It is a small 4 door crew cab pickup truck with 8 trim levels (Sprint RWD, Sprint AWD, Ti AWD, Competizione AWD, V...

2024 Alfa Romeo Giulia

Sticker Price Range (10 trims)
$44,670 to $82,470
Car Loan Payment Range
$728.75 to $1,360.58
Rebate Offer
$1,750 plus $1,750 Bonus Cash
Special APR Offer
8.23% plus $1,750 Bonus Cash

The 2024 Alfa Romeo Giulia has a December 2023 rebate of $1,750 plus $1,750 bonus cash or special interest rate of 8.23% APR plus $1,750 bonus cash. It is a compact 4 door crew cab pickup truck with 10 trim levels (RWD, Ti RWD, Competizione RWD, Veloce RWD, Quadri...

2023 Audi A6 Sedan

Sticker Price Range (5 trims)
$57,995 to $61,895
Car Loan Payment Range
$974.07 to $1,039.26
Rebate Offer
$300 plus $3,000 Bonus Cash
Special APR Offer
6.99% plus $3,000 Bonus Cash

The 2023 Audi A6 Sedan has a December 2023 rebate of $300 plus $3,000 bonus cash or special interest rate of 6.99% APR plus $3,000 bonus cash. It is a midsize 4 door crew cab pickup truck with 5 trim levels (Premium 45 TFSI quattro, Premium Plus 45 TFSI quattro, P...

2023 Dodge Durango

Sticker Price Range (26 trims)
$42,235 to $96,200
Car Loan Payment Range
$676.36 to $1,578.39
Rebate Offer
$2,500 plus $750 Bonus Cash
Special APR Offer
6.90% plus $750 Bonus Cash

The 2023 Dodge Durango has a December 2023 rebate of $2,500 plus $750 bonus cash or special interest rate of 6.90% APR plus $750 bonus cash. It is a midsize 4 door crew cab pickup truck with 26 trim levels (SXT RWD, SXT Plus RWD, GT RWD, GT Premium RWD, GT Plus RW...

2023 Ford Mustang Mach-E

Sticker Price Range (5 trims)
$44,795 to $61,795
Car Loan Payment Range
$758.11 to $1,042.27
Special APR Offer
0.00% plus $3,000 Bonus Cash

The 2023 Ford Mustang Mach-E has a December 2023 special interest rate of 0.00% APR plus $3,000 bonus cash. It is a small 4 door crew cab pickup truck with 5 trim levels (Select RWD, Premium RWD, Select AWD, Premium AWD, GT AWD).

2024 Audi S6 Sedan

Sticker Price Range (3 trims)
$75,795 to $75,795
Car Loan Payment Range
$1,252.90 to $1,252.90
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi S6 Sedan has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a midsize 4 door crew cab pickup truck with 3 trim levels (2.9 TFSI Premium, 2.9 TFSI Prestige, 2.9 TFSI Premium ...

2024 Audi S4 Sedan

Sticker Price Range (3 trims)
$54,895 to $54,895
Car Loan Payment Range
$903.56 to $903.56
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi S4 Sedan has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a compact 4 door crew cab pickup truck with 3 trim levels (Premium 3.0 TFSI quattro, Prestige 3.0 TFSI quattro, P...

2024 Audi S5 Cabriolet

Sticker Price Range (3 trims)
$66,495 to $66,495
Car Loan Payment Range
$1,097.45 to $1,097.45
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi S5 Cabriolet has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a compact 2 door crew cab pickup truck with 3 trim levels (Premium 3.0 TFSI quattro, Prestige 3.0 TFSI quattr...

2024 Audi S5 Coupe

Sticker Price Range (3 trims)
$57,895 to $57,895
Car Loan Payment Range
$953.70 to $953.70
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi S5 Coupe has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a compact 2 door crew cab pickup truck with 3 trim levels (Premium 3.0 TFSI quattro, Prestige 3.0 TFSI quattro, P...

2024 Audi S5 Sportback

Sticker Price Range (3 trims)
$57,895 to $57,895
Car Loan Payment Range
$953.70 to $953.70
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi S5 Sportback has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a compact 4 door crew cab pickup truck with 3 trim levels (Premium 3.0 TFSI quattro, Prestige 3.0 TFSI quattr...

2024 Audi A5 Cabriolet

Sticker Price Range (3 trims)
$55,995 to $55,995
Car Loan Payment Range
$921.94 to $921.94
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi A5 Cabriolet has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a compact 2 door crew cab pickup truck with 3 trim levels (S line Premium 45 TFSI quattro, S line Prestige 45...

2024 Audi A5 Coupe

Sticker Price Range (3 trims)
$48,795 to $48,795
Car Loan Payment Range
$801.59 to $801.59
Rebate Offer
$1,500 plus $1,500 Bonus Cash
Special APR Offer
6.99% plus $1,500 Bonus Cash

The 2024 Audi A5 Coupe has a December 2023 rebate of $1,500 plus $1,500 bonus cash or special interest rate of 6.99% APR plus $1,500 bonus cash. It is a compact 2 door crew cab pickup truck with 3 trim levels (S line Premium 45 TFSI quattro, S line Prestige 45 TFS...

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