Trade in car you still owe money on
Still Owe Money on Your Trade? No Problem. If you have an existing auto loan, and are looking to trade in your vehicle, we can help you upgrade and refinance Car Loan Paperwork. If you still owe money on the car you want to trade in, you'll have to bring your car loan paperwork to the dealer If the insurance company deems your car a "total loss", you're still stuck with the terms of your car loan. Learn more.