Sorry, Im trying to do the math. How do you end up negative 12-14k equity on a 2019 SUV? Even a pricey domestic that has terrible value retention shouldn't be that far underwater unless you had some insane financing terms, like no payments for 2 years or something, or it was involved in an accident or had 200,000km on it.
Anyways, as an actual answer, I would suggest she talk with whoever the financing is with (Bank or the manufacturer financing company). I dont think I've ever seen financing through a dealer themselves (Aside from the shady used car places that are also loan sharks), so as long as it was a typical dealer they effectively have nothing to do with the financing once its off the lot.
Advantage there is you're likely dealing with a bank or manufacturer's credit company, and both of them have dealt with this situation plenty and should know the options and impacts.
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