Negative Equity Car Finance If your current car is in negative equity — meaning the outstanding finance is more than the vehicle’s value — don’t worry. Deal4Wheels can help you refinance or upgrade your car by working with specialist lenders who understand these situations.
We’re here to make progress possible — even if your current deal is upside down.
Get a valuation — on your current carSubmit your settlement figure — from your current lenderWe calculate your shortfall — and match you to lendersRoll the difference into a new agreement — drive away without stressDrivers looking to trade out of their current dealThose needing to change car due to lifestyle or jobPeople who need to upgrade but are stuck in a high-rate agreementCars with high damage or depreciationNegative equity larger than 25–30% of car valueIt means your car is worth less than what you owe on your current finance agreement.
Yes — many lenders allow you to carry over the shortfall into a new finance plan.
Not always. It depends on vehicle value, lender rates, and term.
No — in most cases, we structure it into the new agreement.
It depends on lender policy, but we have £0 deposit options even with negative equity.
