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Old April 28th, 2012, 01:29 AM   #1 (permalink)
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Been Wondering

Ok I am financing my 4G right now I paid $14k when I got it, maybe a few hundred more. I have had the car for a year now, I figure I still owe about $11,500 on it with interest. Now what if I find some one with a WRX lets just say that is interested in trading for my car. What happens to my payments, I know I would still have to pay them but how would this all work, I should probably know this stuff but I dont . Thanks guys, like I said I am just curious.
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Old April 28th, 2012, 09:07 AM   #2 (permalink)
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Well you would probably have to gt a new loan for the wrx and he would have to get a loan for the amount owed on the eclipse and pay off yours. Or you would have to get a new loan for that amount, without the eclipse as collateral and pay the eclipse loan off. Of course it depends on his credit not only yours depending on the route you take. Because if your loan is not paid off, he can't get the title to the car, meaning it is still your car technically. Which can throw crazy shit when it comes to registrtion etc. Also because you have a loan on the car that would mean the other guy would have to be paying full coverage insurance, in your name, which is a huge no no. I suggest talking to a loan officer at the bank you are financed through right now about what route would be best to go. Also tt the WRX guy and see what he thinks.
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Old April 28th, 2012, 11:30 AM   #3 (permalink)
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Ok thanks I appreciate it, all this loan stuff confuses the hell out of me. I wish I wouldnt have taken a loan out in the first place, but I had no choice.
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Old April 28th, 2012, 12:27 PM   #4 (permalink)
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Unless you're going through a dealer there is no real way to trade a car that you're paying off because you technically don't own it yet, the lien holder (bank) does. Talk to your loan officer and see if you can get a loan for the WRX and pay off your Eclipse with it but that's unlikely. Good luck with whatever you're able to do, I also almost bought a WRX before I found the eclipse.
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Old April 28th, 2012, 03:02 PM   #5 (permalink)
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carmax will take over your loan and give you some money on it, but yea they will rip you off im sure
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