Planning my next car upgrade always involves checking if Im upside down on the current loan because depreciation hits hard these days. Many drivers owe thousands more than their vehicle worth after just couple years especially with high mileage or luxury models that drop fast. Rolling that shortfall into fresh finance keeps things moving without huge upfront cash hit. For solid options on this exact setup try Car Plus lenders often cap total loan at around one hundred twenty five percent of the new car value so affordability stays realistic and monthly payments dont explode. Keeps the dream alive without getting buried deeper.