How to Trade a Car That Is Upside Down in Value. Being upside down means you owe more on your car loan that the car is worth. This is a bad situation for a car as they usually depreciate with age (unlike real estate). The difficult part is trying to trade the car in for another car, especially if the difference is extreme. Unfortunately, for most of us, a car is necessary for employment or family. The good news is that there are strategies to make the process less painful. Walk through an example. Let's say you owe $20,000 on a car that is now only worth $10,000. This means that you are $10,000 upside-down on the car. If you decide to trade in the car, you will have to pay the $10,000 you owe on the car plus the the cost of buying the new car. Bite the bullet and pay off the loan. This is difficult, but it's better than carrying negative equity over from your old car loan, which will only increase the monthly car payment for your new car. Keep the vehicle until the negative equity is gone.
This is by far the easiest way to get out of an upside-down car loan. However, if your car breaks down or is inoperable, this may not be an option unless you can afford to by a used car that does not require a loan. In this case, you will need to determine whether or not it is more important to pay off the existing debt or purchase an older (cheaper) car with it. Ultimately, this decision depends on your financial situation and your willingness to say no to "new car fever." Request a cash rebate on the new car. Continuing with the same example, if you have $10,000 negative equity on your car loan, ask the dealer for a cash rebate to cover the amount. Make the purchase of the car contingent on this cash rebate. The more cash you can put down on the new car and the better your personal credit score, the more you will be able to negotiate up the amount of the rebate. Check for rebates and incentives yourself. You can do this on most any website dedicated to auto sales. For instance, Edmunds. com has an "incentives and rebates page" (see the Resources section for a link).
About the Author. Working as a full-time freelance writereditor for the past two years, Bradley James Bryant has over 1500 publications on eHow, LIVESTRONG. com and other sites. She has worked for JPMorganChase, SunTrust Investment Bank, Intel Corporation and Harvard University. Bryant has a Master of Business Administration with a concentration in finance from Florida A&M University. mortgage_calculator. Copyright © Leaf Group Ltd., all rights reserved. The new Firefox. Download Firefox — English (US) Your system may not meet the requirements for Firefox, but you can try one of these versions: Download Firefox — English (US) Your system doesn't meet the requirements to run Firefox.
Your system doesn't meet the requirements to run Firefox. Please follow these instructions to install Firefox. Please follow these instructions to install Firefox. The best Firefox ever. Uses 30% less memory than Chrome. Truly Private Browsing with Tracking Protection. all things Firefox. If you haven’t previously confirmed a subscription to a Mozilla-related newsletter you may have to do so. Please check your inbox or your spam filter for an email from us. Advanced Install Options & Other Platforms. Download Firefox for Windows. Download Firefox for macOS. Download Firefox for Linux. Download Firefox — English (US) Your system may not meet the requirements for Firefox, but you can try one of these versions: Download Firefox — English (US) Your system doesn't meet the requirements to run Firefox.
Your system doesn't meet the requirements to run Firefox. Please follow these instructions to install Firefox. Understanding an upside-down car loan and the options for changing vehicles. What is an upside-down car loan? An upside-down car loan is a situation in which you simply owe the lender more than the vehicle is worth. For example, you still have $12,000 outstanding on your auto loan, but the vehicle’s value is just $9,000, so you’re upside down by $3,000. It’s also known as negative equity or being “under water,” and it’s a growing problem in the U. S., according to Debt. org, a debt help organization. How an upside-down car loan might occur. There are numerous ways negative equity on a vehicle may arise.
Common scenarios include: Depreciation – Cars inevitably lose value once they’ve been purchased, and new cars depreciate by about 20 percent as soon as they’re driven off the dealer’s lot. By year three, they are reckoned to have lost 50 percent of their value. That’s a large chunk, and this may be a factor in an upside-down car loan, when, over just a few years, the money owed on the auto loan becomes greater than the vehicle’s market price. Small or no down payments – Seeing as new cars depreciate quickly, and could lose a fifth of their value on exiting the dealer’s driveway, putting little or no money down to reduce the loan amount at the start may be a factor that leads to an underwater loan. And that sinking feeling. Long loan terms – A lengthy loan term might mean car payments are being made at a slower rate than the depreciation of the vehicle’s value. Rollover loans – A rollover loan may take place when you’re buying a new car but still owe money on your current vehicle. The debt on the existing loan is added, or rolled over, into the loan for the new car. This will increase the total loan amount and may result in negative equity if the loan value is greater than the value of the new car you’re buying. Overpaying for a car – Paying above the market price for a vehicle might inflate the loan amount needed to buy the car, and is another possible factor in an upside-down auto loan. Add-ons – Optional extras on a new vehicle like leather seats, or add-ons such as GAP insurance and service contracts, can mount up, increasing the cost of your purchase and, potentially, the size of your debt. How to get out of an upside-down loan, and the options for changing vehicles.
If you want to get out of an upside down situation, change vehicles, or both, what are the options? The Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) offer some straightforward advice to help with the main choices. This process could be speeded up by making extra payments that go completely toward paying down the principal loan amount, rather than to interest charges. You can read more about paying off a car, and the roles of interest and principal, in our articles about how early payoffs and auto loans work. Selling your car yourself is an option , and may get you a higher price than trading it in to a dealership. A dealer might promise to pay off your current loan upon trading in, but when you have negative equity, it may not be entirely paid off, cautions the FTC. “Make sure you understand how your negative equity is being treated before you sign a contract,” it says, and find out if it is being rolled into the new loan, and what the terms will be, including monthly payment. The length of the loan is also important as a longer loan term means it may take more time to reach positive equity, and turn from upside down to right side up. In general, rolling the balance of your current auto loan into a new one could make that new loan much more expensive, says the CFPB, and may increase the chance of negative equity on your new car. When you’re ready to purchase your next vehicle, apply for financing online with RoadLoans, the direct-lending platform of Santander Consumer USA. Apply for a car loan and get an instant decision. Related. Lower your monthly car payments by applying for a car loan with RoadLoans.
com. Apply for a car loan Online. Looking to buy a car or refinance an auto loan? We offer competitive rates on car loans and auto refi direct from the lender. Upside-down on a Loan? The combination of hefty incentives, smaller down payments and the general willingness on both financial and dealer organizations' parts to create roll-over loans has influenced the market to accommodate lenders' needs and find creative solutions to getting buyers into new vehicles. Some of these methods are less desirable than others but, ultimately, it's a personal financial decision a car buyer must make before taking the plunge. And, in truth, the real reason many people are so far upside-down is because they were too eager to get a new car and didn't consider the financial consequences. When a buyer is heavily upside-down, it didn't happen by accident. Don't know if you're in this situation? To find out, simply look up the trade-in value of your current vehicle -- be sure to rate your vehicle's condition by selecting the "Rate It" link on the pricing pages.
If your trade-in value is less than the balance of your current car loan, you are upside-down by that amount if you were to trade in that car on the new car, you would still have to give the dealership the additional money just to come out even on the trade. Check out your car's private party amount. Is it still less than your debt? If not, you may want to try selling it yourself. If you find yourself in this position, you have several options -- each with benefits and risks attached: The biggest benefit to choosing this option is that you will be able to drive that new car off the lot, possibly for a comparable monthly payment. You will probably be asked to finance a long-term loan, which means you will owe a lot more than the new car is worth, and is going to be worth, for an even longer period of time. This finance trick is great for covering the amount of your trade-in debt and will eliminate the roll-over effect. Remember that with most incentivized vehicles the resale value is taken out of the car up-front. In other words, you'll find these cars' values drop faster than other cars that do not have incentives, thus placing you in another upside-down position later. NOTE: This is still less risky than Option 1 because, in this case, the manufacturer has absorbed part or all of the negative balance.
The obvious benefit here is that you will have equity to work with when you're ready to look for a new car. Generally, this is the wisest financial choice and, taken to its logical conclusion, it will get you back on top of things. But it doesn't satisfy many buyers' desires for instant automotive gratification. The only risk is that your car could have excessive miles and damage, reducing the amount you have to barter with. But, if you can live with it for a while and pay it off, you will eventually be back in a much better financial position. Third-party financial companies, like LightStream, an online lending division of SunTrust Bank, offer refinancing loans that could speed up the time it takes to get your loan healthy. You risk missing out on getting those new wheels, of course, but you may also find yourself outside your current car's warranty coverage and accumulating a lot of miles on it. And, to restructure in this way will almost certainly mean your monthly payments will increase -- after all, you're refinancing the remaining portion of an existing loan over a shorter time period. Finally, here is some general advice on things you could do before you pursue your next car purchase: Educate yourself on your credit score don't pay a higher interest rate than you need to. Educate yourself on available interest rates in the marketplace before applying for a loan know a good rate when you see one. Do plenty of pricing research on available new car and trade-in values to get a good value on both transactions. Match your loan to your expected ownership length of time a longer loan will help keep monthly payments low, but chances are it will lead to being upside-down when the time comes to trade in for yet another new car. Upside Down and Under Water on a Car Loan. How to Deal With Negative Equity on a Car.
03112005 (updated 01262015) - By Philip Reed, Senior Consumer Advice Editor, Edmunds. com , Ronald Montoya. Every day, people decide they've had it with the cars they're driving (even if they are running fine and are relatively new) and resolve to buy something else. That decision can cost them considerable amounts of money. Maybe they're like the tall St. Louis man we met not long ago. He had bought a Honda Civic but decided after a few months that it was just too small for him. The dealership was happy to take the Civic as a trade-in toward the larger Honda Accord, but it had some bad news: The owner was "upside down" in the Civic, owing $4,000 more than it was worth. What It Means To Be "Upside Down" "Upside down," "under water" and "negative equity" are interchangeable terms for a bad situation: All three mean that the car owner owes more on the vehicle than it's worth. Let's say you have $15,000 worth of car payments to make on a car that is only worth about $10,000 (usually thanks to new car depreciation). That means you are $5,000 upside down. If, at that moment, you decide to trade in this car and buy a new one, you will have to pay the price of the new car plus the $5,000 you owe on the current car. Your monthly payments will be much higher because you're rolling over what you owe on your old car to the loan on your new one.
Now you're really upside down. It's a common dilemma. In 2015, 30 percent of car sales that had a trade-in were ones in which the owner still owed money on the vehicle, according to Edmunds. com data. The average amount of negative equity: $4,502. In the case of the St. Louis man, an extra test-drive might have prevented him from buying a car that literally didn't fit him, but other situations aren't as open and shut. Maybe you bought a coupe and now need a sedan to transport kids. Perhaps you bought a car that turned out to be more expensive than you could afford and you couldn't keep up with the monthly payments. Or maybe you just got tired of your car after a couple years. The circumstances may differ, but they put you in the same place: You're trying to get out of a car loan before it is paid off. New cars go through their steepest depreciation in the first couple years of ownership. You'll owe more than the car is worth if you didn't make a large enough down payment &mdash and most people don't. You might also be upside down if you rolled over a balance from a prior car loan.
If the negative equity you carry to the new car is minimal, then it won't be a terrible burden to bear. But it gets to be very painful when you carry negative equity over from car to car. The debt gets bigger and bigger, like a snowball rolling downhill. There is no silver bullet that will magically get rid of the negative equity. Your options are to deal with the situation either now or later. Here's how: Stick With Your Current Car: You probably don't want to hear this, but the best method for getting above water is to scrap plans for a new car and stay with the one you have. You'll need to keep it at least until you reach a break-even point in the loan. Ideally, you'll want the value of the car to outweigh the amount you owe. If you've brought a balance over from a previous car, you might never break even at all, at which point paying off the loan outright is your only recourse. To get above water faster, try to make larger payments, if your budget will allow it. You might also consider refinancing the loan. This will lower the interest rate and bring down the monthly payments.
Roll the Balance Into a New Car Loan: This is the most common method that people use because it doesn't cost them anything out of pocket. The dealership will roll over what you owe on the trade-in vehicle into the new car's loan. It offers a convenient way to buy the new car, but your monthly payments will be higher. You will not only be paying interest on the new loan, but also on the balance of what you owe on the previous car. Incentives could reduce that balance, or even potentially erase the negative equity. For example, if a person was $1,500 upside down on the trade-in car and wanted to buy a new car that had a $2,500 rebate, he or she could erase the negative equity and still have $1,000 for a down payment on the new car. Note, however, that cars with heavy incentives tend to have lower resale value for at least three years, according to Edmunds pricing analysts. This means you will be upside down for a longer period of time. In other words, it will take more time for this car to be available as a free-and-clear trade-in. Roll the Debt Into a New Car Lease: An alternate method is to lease the car rather than finance the purchase of it. The approach is largely the same: You trade in your car that has an outstanding loan balance. The balance is factored into the lease. You will still deal with higher than normal monthly payments, but at the end of the lease (typically three years), you are no longer upside down. If you qualify for a lease special with a low monthly payment, such as the $199 or less deals that have become increasingly common , it can soften the blow of carrying along the negative equity. You won't have to worry about any of the resale value issues since the car goes back to the dealership at the end of the lease.
But therein lies the rub. You don't have a car to use as a trade-in toward your next purchase. Your options are to lease again or finance your next new or used car purchase. A Loan Payoff Idea &mdash With a Hitch. You might be wondering about this scenario: Assume you have set aside some money for a down payment on a new car. Could you use that cash to pay off the loan on the "under water" car and buy the new car without a down payment? We ran the numbers and found that while you could save a little money with this approach, it has its own problems, particularly if your credit is shaky. In that case, a lender might not be willing to approve a car loan without a down payment. Check with your lender and the car dealership to see what scenario works best for you. Deal With Life's Curveballs. Sometimes you can't avoid the life changes that affect your vehicle needs. But if you understand how negative equity works and how to manage it, you will have the best chance of getting above water and right-side up. What Is An Upside Down Car Loan?
You are upside-down on a car loan when you owe more than your vehicle is worth. It happens a lot, but there are ways to limit the long-term damage it will do to your finances. Industry experts acknowledge that automobiles lose 20% of their value as soon as you drive off the lot, which means the $25,000 car you just bought, is only worth $20,000 by the time you hit the first traffic light outside the dealership. For the people that need to borrow money to purchase a car, that is the definition of being upside down – sometimes referred to as having “negative equity” – on an automobile loan. They owe more than the car is worth as soon as they sign the contract. The average price for a new car in 2017 was $35,000 and the average loan was $30,000, meaning consumers are putting down $2,000 less than the 20% suggested for car loans. Using the numbers above, you would need to have a $7,000 down payment on a $35,000 purchase to avoid starting out with negative equity. Unfortunately, more and more people make less than a 20% down payment and find themselves upside-down as soon as they buy the car. That is a risky position to be in, especially if you run into a financial crisis and can’t afford payments. If you try to sell the car, the sale price won’t cover your auto loan. If you get into an accident, most people’s insurance will only pay for the value of the car and not the total cost of the loan.
That means you won’t have any money left over from the insurance to put down on your next vehicle and you still will owe money on the original loan. The fact is that increasing numbers of people have car loans that leave them upside-down. In the first quarter of 2017, a record 33% of new car sales were made to people with negative equity who owed an average $5,147 on their loans. The same thing happens at used car lots. Edmunds, an online resource for automotive information, said a record 26% of trade-ins had negative equity averaging $3,854. “The best financial move for people is to buy a car and drive it well past the point where you have it paid off,” Jessica Caldwell, senior analyst at Edmunds said. “Unfortunately, the trend is that less and less people are doing that now.” In most cases, people who are upside down on an auto loan were too eager to buy a car in the first place. They don’t understand the consequences of the situation until it overwhelms them. It takes great discipline and the ability to work through creative strategies to get out of car debt. Using a Car with Negative Equity as Trade-In. Anyone who has a car radio has heard this advertisement: “We’ll pay off your car loan and put you in a new vehicle …” You can fill in the rest of that ad with the name of just about any car and just about any dealership in the U. S. and the promise will be as empty as your bank account because it promises negative equity. The ad plays on every station in every market in America and you have to admit it’s enticing enough to make you stop and think about doing it. Someone else bails you out of a bad loan situation and puts you into a new car with no out-of-pocket expense.
What’s not to like about that? Here’s a word of advice from car-buying experts: DON’T EVEN CONSIDER IT! Trading in a car with negative equity to take on another car loan with even more negative equity is like throwing gas on a fire because it’s the only liquid you had handy. You just increased the chances for a serious financial meltdown and here is an example of why. Let’s say you owe still owe $10,000 on a car that is only worth $5,000. The dealer will pay off the $5,000 difference, but then roll that amount into the loan on your next car. So, if you needed to borrow $20,000 for the new car, the dealer rolls another $5,000 into the loan to cover the cost of paying off your previous loan and now you’re borrowing $25,000. Not only will your monthly payments be higher (and remember, not being able to afford the payments was what got you into trouble to start with), but you likely will be paying higher interest on the loan. And, don’t forget, you’re going to add more negative equity to your situation when you calculate the 20% depreciation in value the new car will lose when you drive it off the lot. “The idea of austerity, living within your means, doesn’t seem to be as prevalent today as it should be,” Caldwell said. “Unless there has been a substantial change in your life circumstances – you’ve started a new construction business and now you need a truck or you just had triplets and now you really need a mini-van – to have a new car loan and negative equity in your trade-in does not put you in a good place financially.” How to Get Out of an Upside-Down Car Loan. So, what’s the solution when you find yourself upside down on a car loan?
If you already bought the car, the best way out is to keep what you have and continue paying it off until you own it, or until the loan amount is lower than the value of the car. At least by then, you have equity in the vehicle and will not suffer a financial setback if you decide to sell it. If you haven’t bought a car yet, the best idea is turn your back on the new car lot and walk over to the used car lot. There you can find a car that is one-year old and already lost the 20% depreciation that new cars lug out of the lot. That means you should get it for at least 20% less than what you would have paid new and thus avoided the automatic trip to negative equity status. Another tactic would be to use savings – money you might have been putting aside for a down payment on a future purchase – to pay off your loan. The downside of that idea is that you no longer have money left for a down payment and not many banks want to make loans to consumers who have no down payment. One more choice to escape from the negative equity position is to pay extra money each month toward the loan principal or, if you can afford higher monthly payments, find a loan with a shorter payment term. This allows you to pay off the loan quicker and build equity at a faster rate. Refinancing an Upside-Down Loan. Another option is to refinance the car with a new loan. If interest rates have dropped appreciably since you took out the original loan, the refinancing would allow you to pay off the car faster, or at least get some equity in it. Large bank lenders usually duck when this is proposed, but your community bank or credit union will at least consider the option. If you are a homeowner, a more realistic way to refinance would be to get a home-equity loan.
That could provide substantial savings. In the summer of 2017, the interest rate on home equity loans for up to $30,000 was 5.2%, which may be less than the rates on most car loans. It may be possible to transfer the balance of your car loan to a credit card with a 0% introductory offer. At the end of the introductory period – 12-18 months on most cards – refinance the remaining balance at a credit union or peer-to-peer lender. Selling Your Upside Down Vehicle. If you’re intent on getting rid of your car, and it’s in at least “good” condition, sell it privately rather than trading it in at a dealer. Private sales of cars produce significantly higher return than trade-ins. However, there still could be a difference in what you sell the car for and how much you owe on it, so be ready to make up the difference out of your own pocket. If you are hopelessly upside down on a vehicle and need relief from that distressing debt, selling the car and taking out a second loan to cover the negative equity could be the best option. In short, if you owe $15,000 and your car is worth $10,000, you are $5,000 upside down or have $5,000 in negative equity. If you sold the car for what is was worth ($10,000) and took out a loan to cover the balance, you would be making payments on a $5,000 loan, not a $15,000 loan. However, you also would be without a car. This could be a bigger problem if other transit options – bus, subway, carpool, bicycle, walking – are not readily available to get to work, the grocery store, doctor’s office and other necessary stops.
If you do have easy access to transit and want to sell your upside down auto, the steps are fairly simple. First thing to do is determine your car’s true value. Consult Kelley Blue Book or Edmunds to get an accurate appraisal. Be sure to provide honest information about its condition, mileage and options, all of which affect the resale value. Next, call the bank that holds your car loan and ask what the payoff balance is. Now, do the math: Payoff Balance – Car’s Worth = Negative Equity. Using the example above, that would be $15,000 minus $10,000 = $5,000 in negative equity. Now comes the hard part: Finding a place that will lend you $5,000 for an unsecured loan! The truth is that you must be a very good customer or have an excellent credit score (or both) to convince a bank or credit union to loan you money in this situation. There are other places to find the money – family, friends, credit cards – but at least you’re dealing with a $5,000 loan and not a $15,000 loan and you no longer have the expense of owning a car. Once you sell the car, consider using public transportation rather than replacing your car with another one. The combination of bicycling and using the local bus system is a cheap, efficient method for going to work and doing local shopping. The money saved on car maintenance, insurance and gas could help you pay off the remaining balance on your car or go into a savings fund for a larger down payment on the next car you buy. Debt-Relief Options to Consider.
If you are too far in debt for these strategies to work and you can no longer pay your monthly bill for the auto loan, consider debt help options. Two of the most commonly utilized options are debt consolidation and debt settlement. When you consolidate your debts, your car loan will be combined with other debts in one large loan. The new loan typically comes with lower interest rates and better repayment options. In debt settlement, you — or a settlement firm working on your behalf — will negotiate with your creditors to have your balances reduced to a level you can pay it off. If your finances are in worse shape, you might consider filing for bankruptcy, a process that can clear all or most of your debts. Find out if this option is right for you by meeting with a credit counselor from a nonprofit credit counseling agency. How You Get Upside Down On A Car Loan? People are so enthusiastic about buying a new car that when they arrange financing, they don’t account for the fact that the new car loses 20% of its value immediately after purchase. Add dealer incentives, smaller down payments and a willingness among lenders to create rollover loans (adding in the negative equity from the previous car to the new car loan) and it’s easy to understand why so many new car owners are under water the minute the minute they get behind the wheel of their new car.
Some other reasons that people overpay on cars and get upside down on their loans: Inadequate research. Many consumers don’t do enough research on costs for similar makes and models. If the sticker price on a car is $30,000 and similar models are selling for $27,500, you already are upside down on your new car. No money down, long loan terms. These popular incentives sound too good to be true…because they are! Cars depreciate 20% almost immediately and lose 50% of their value by the third year. If you don’t put at least 20% down, you’re upside down right away. If you’re still paying for a car that is five or six years old, your payments can’t keep pace with the depreciation. Unnecessary options.
People allow themselves to be talked into costly options they don’t need or won’t use like a sunroof, leather upholstery, DVD player, etc. Not only does that create more debt, it is impossible to recoup the cost of those options when you resell the car. Roll over loan. If you owe money on your old car, the dealer will often offer to roll that negative equity amount into the loan for a new car. This means you are paying two loans at once – the balance on the old car, plus whatever money you’re financing on the new car. In most cases, that means the total financed already is more than the car is worth and you’re upside down again. Tips for Avoiding an Upside-Down Car Loan. It’s best to avoid an upside-down car loan altogether whenever possible. Be diligent with research before you buy a car and understand all the costs of options, financing and taxes so you aren’t already upside down when you drive out the door. For most people, that means accepting the fact that you can’t afford to purchase a new car. Instead, look for a late-model used car with low mileage. The original owner will have paid the price for depreciation in the first year, so the purchase price should be at least 20% off the original cost.
If you are still tempted to buy new, try using the 20-4-10 rule, which means 20% down payment no more than 4-year loan and the monthly car payment plus insurance can’t be more than 10% of your gross income. If you can’t make those numbers work, it’s time to go back to the used-car lot. The following tips can help you avoid an upside-down auto loan: Choose the shortest repayment plan you can afford. Shorter repayment plans mean lower interest rates and faster payoff. For example, borrowing $25,000 for three years at 6.93 interest (credit score of 675) would result in $2,764 in interest paid. The same deal over four years would cost $3,716 in interest and a five-year loan would be $4,715 in interest. That’s about $1,000 more each year for the same loan. The difference would be magnified even more if your credit score was under 650. Make a down payment of at least 20% of the car’s total cost. This equals the 20% depreciation on the car that happens when you leave the lot.
Before you buy, consult Kelley Blue Book and Consumer Reports to estimate the true value of the car. This will keep you from overpaying for the car. Ask about incentives. Dealers may offer enough cash incentives to make up the difference for the 20% depreciation that happens almost immediately when you buy a car. Pay off your car loan before you sell or trade-in. You can’t be upside down on a paid off car. If you know you’ll only keep a car for two or three years, consider leasing instead of buying. A lease means no loan, which means you can’t be upside down. One of the few times it’s acceptable to have an upside-down car loan is if you plan to keep your car for many years. You may buy a brand-new car and start off with an upside-down loan, but if you plan to pay down the loan in five years and keep the car for 10 years, you’ll own the car long before it’s time to sell. Over the total time you own your car, you’ll be able to convert your negative equity into positive equity, meaning it’ll be worth more than you owe on it. Need help choosing the best debt relief option for you? Staff Writer. Bill Fay is a journalism veteran with a nearly four-decade career in reporting and writing for daily newspapers, magazines and public officials. His focus at Debt.
org is on frugal living, veterans' finances, retirement and tax advice. Bill can be reached at bfay@debt. org. Last Updated. Debt Management for Veterans. Pros & Cons of Consolidating Federal Student Loans. Debt Settlement vs. Debt Consolidation. Debt Consolidation Loans – What They Are & How They Work. Carrns, A. (2016, November `8) How to Buy a Car When You Have an Upside-Down Loan. Retrieved from nytimes. com20161119your-moneyhow-to-buy-a-car-when-you-have-an-upside-down-loan. html Reed, P. (2015, January 26) Upside Down and Under Water on a Car Loan. Retrieved from edmunds. comcar-buyingbeing-upside-down.
html NA, ND. Loan Savings Calculator. Retrieved from myfico. comcredit-educationcalculatorsloan-savings-calculator NA, ND. FTC Takes Action To Stop Deceptive Car Dealership Ads. Retrieved from ftc. govnews-eventspress-releases201203ftc-takes-action-stop-deceptive-car-dealership-ads Mercadante, K. (2013, February 14) How to Get Out of an Upside Down Car Loan with Negative Equity. Retrieved from moneycrashers. comhow-to-get-out-of-a-car-loan-when-you-owe-more-than-the-car-is-worth Overwhelmed with debt? You have options for lower monthly payments! Our Services. Stay Connected. Join our mailing list for monthly tips on ways to manage your finances! You have successfully subscribed to our newsletter! Check your inbox for monthly financial tips and more. How to Buy a Car if You're Upside Down on Your Loan.
The recent economic upheaval left many Americans with large amounts of debt and other financial problems. One such problem is the upside down car loan. You have likely heard about the many houses that homeowners have walked away from once they owed more than the home’s value. Similarly, car owners are finding themselves perplexed when the amount they owe on a car surpasses it's current value. Are you in this position? There's some good news. How Does an Upside Down Car Loan Happen? An upside down car loan, also known as a negative equity car loan, is a loan where you owe more for your car than it is worth. You can get yourself into such a situation in a number of ways: If you trade in a car that has a loan balance and add that balance onto your new auto loan, you will owe more for the new car than it is worth. If you purchase a car with no money down, the car will depreciate much faster, leaving you with a negative equity. Remember, cars depreciate in value as much as 20 percent in the first year of ownership and can depreciate by 50 percent by the third year. If you bought your car with no money down, you are likely to owe more on it than it is worth for the five years that you have it. Even with a decent amount of money down, if you opt for an extremely long-term loan to keep your car payments low, your negative equity is not likely to improve. If you are in an accident and lack sufficient insurance coverage to fully cover any damage to your vehicle, your car will decrease in value drastically while your loan payment stays the same.
This is why comprehensive, collision and uninsuredunderinsured motorist coverage is so important and is usually required by lenders. No matter how you got into your upside down car loan, the most important thing is to rectify it as quickly as possible. This will save you a lot of money in the long run. How Can You Get a New Car While Upside Down on a Current Car Loan? So what do you do if you are upside down on your car loan but really want (or need) to buy a new car? You need to be very careful that you do not put yourself into deeper financial trouble by taking on more than you can reasonably afford to pay each month. If you default on your loan or fail to pay your other bills because you are trying to keep current on your car payments, you can find yourself with extremely bad credit. Life is more expensive for people with bad credit. They typically have to pay higher interest rates on loans, they frequently get stuck with late fees and other charges and, believe it or not, they pay more for their insurance. This is because, statistically, those with bad credit pose a greater risk to insurance companies. However, if you shop around for coverage, you might still be able to get a lower rate than you're currently paying.
Independent agents in the Trusted Choice ® network work with several insurance companies, not jut one. They can show you several quotes for coverage, no matter your credit score and financial past. When it's time to buy a car with an upside down loan already in place, you need to be smart. You may want to look into some of the possible solutions below. Solution #1: Consider Buying a Used Car. Just because you want to buy a car doesn’t mean it has to be a new car. Used cars are a financially savvy option, particularly for those who are in a position where their current car has an upside down loan. The original owners have already paid the bulk of the car’s depreciation, so your vehicle, which will be more affordable, will also retain its value longer: Pros : You will save money on depreciation costs and may be able to save a significant amount of money while you get your finances back in order. Once you have your loans completely paid off, you may even want to trade your used car in on a new one. Just be more careful this time! Cons : If you have your heart set on a new car, this option will require you to wait until you are in a better position financially. You may not be able to find a used car in the make, model or color that you prefer. Solution #2: Find a New Car with a Great Incentive. Look for deals and incentives.
Cars that do not sell well can take up space on a dealer’s lot. This cramps that dealer's style, taking up space that more popular models could occupy. When this happens, either the car manufacturer will offer the dealer incentives in the form of large rebates or the dealership will offer great incentives to their customers. Either way, you can come out a winner. If the dealer offers you a rebate that can cover the remainder of your car loan, you can be free and clear of your upside loan as soon as the rebate goes through: Pros : Allowing the dealership or the manufacturer to cover most or all of your remaining balance is a shrewd maneuver. Cons : The value of these poor-selling, incentivized vehicles has a tendency to depreciate faster than other cars. In the short term, you may find yourself with another upside loan. You can mitigate this problem by making extra car payments to the principal of your car loan for the first three years. Solution #3: Roll Your Remaining Debt into a New Loan. An option that the sales staff at a car dealership will be more than happy to offer you is increased financing on your new car loan to encompass the old one. Of course, this is not a solution to getting rid of your upside car loan, as it puts you right back into that situation. However, if you desperately need a new car, this is how you can buy one.
Pros : You will be able to drive off the lot in a new car while putting your previous car loan to bed. Cons : You will still have an upside loan, your car payments will be much higher than they would be otherwise and you will end up spending a lot more in interest. This method is also risky. If an accident results in your car’s destruction or if someone steals your car, your insurance can only cover you up to the value of your car. So, you may end up with a pile of debt and no vehicle at all if such a thing were to happen. Solution #4: Refinance Your Current Car Loan. If your current car is still drivable, you may want to consider keeping it for as long as possible while you pay off your current upside down loan. By taking out a home equity loan or unsecured loan with a lower interest rate than the one you are currently paying, you can opt for a car payment schedule that enables you to pay off the debt quickly. You can speed up the process of improving your negative equity even more by paying extra toward your loan whenever you have extra funds available: Pros : This method will enable to you to eliminate your debt in the fastest and least expensive way possible. Cons : You'll have to hold off purchasing a new car until you have successfully paid off your current one.
This is fine if your current car is still running, but if you need to purchase a new car now, one of the other options will have to do. Another problem may exist if you have very bad credit. This may make it impossible to find a lender who will offer you a loan at a reasonable interest rate. Solution #5: File for Bankruptcy. This option is a last resort that you should consider only if you are struggling with overwhelming debt in all areas. If you are spiraling deeper into debt each month and can find no way out, bankruptcy may be your only solution. If you're court-approved for Chapter 7 bankruptcy, you may be able to eliminate you car debt. If you file for Chapter 13, you may be able to renegotiate you car loan to something more affordable. Pros : Bankruptcy will enable to you to climb out of the red. Cons : This will leave you with extremely poor credit and can make it impossible to buy a new car for years to come. During this time, you may be limited to purchasing only used cars that you finance at extremely high interest rates. Prevent Upside Down Car Loans from Happening Again. Once you have managed to clear up your problems with your upside car loan, do what you can to keep yourself from ending up in the same situation again.
Try to avoid buying new cars unless you have the funds available to put at least 20 percent down. Also, keep your vehicles well insured and avoid buying more car than you can reasonably afford. Do you have an upside down car loan horror story? Share it in the comments. US Search Desktop. We appreciate your feedback on how to improve Yahoo Search . This forum is for you to make product suggestions and provide thoughtful feedback. We’re always trying to improve our products and we can use the most popular feedback to make a positive change! If you need assistance of any kind, please visit our community support forum or find self-paced help on our help site. This forum is not monitored for any support-related issues. The Yahoo product feedback forum now requires a valid Yahoo ID and password to participate. You are now required to sign-in using your Yahoo email account in order to provide us with feedback and to submit votes and comments to existing ideas.
If you do not have a Yahoo ID or the password to your Yahoo ID, please sign-up for a new account. If you have a valid Yahoo ID and password, follow these steps if you would like to remove your posts, comments, votes, andor profile from the Yahoo product feedback forum. Vote for an existing idea ( ) or Post a new idea… HOW DO I GET HTTY:BUSINESS. WE-ENERGIES. COMCONNECTIONS Don't see your idea? Post a new idea… US Search Desktop. Feedback and Knowledge Base. Give feedback. Deutschland Finanzen Mobile DF iOS 1 idea España Finanzas Mobile DF iOS 7 ideas France Finance Mobile DF iOS 16 ideas Italia Finanza Mobile DF iOS 7 ideas Italia Lifestyle 29 ideas Italia Meteo 33 ideas Accounts Dashboard 33 ideas Ad feedback 3 ideas Answers DE 4 ideas Answers ES 122 ideas Answers FR 26 ideas Answers ID 302 ideas Answers ID 7 ideas Answers IT 130 ideas Answers TH 0 ideas Answers TH 31 ideas Answers UV Forum (test version) 6 ideas Answers VN 1 idea Argentina Celebridades 14 ideas Argentina Cine 3 ideas Argentina Finanzas 23 ideas Argentina Mujer 13 ideas Argentina News 93 ideas Argentina Safely 29 ideas Argentina Screen 9 ideas Argentina Tiempo 20 ideas Argentina TV 2 ideas Australia Celebrity 0 ideas Australia Finance Mobile Android 0 ideas Australia Style 0 ideas Australia Yahoo Tech 0 ideas Autos Pulse 2 ideas Aviate 1,503 ideas Belgium Homepage 0 ideas Bolão da Copa 4 ideas Brasil Celebridades 156 ideas Brasil Cinema 19 ideas Brasil Finanças 124 ideas Brasil Mulher 78 ideas Brasil Noticias 621 ideas Brasil Safely 409 ideas Brasil Screen 35 ideas Brasil Tempo 51 ideas Brasil TV 98 ideas Brasil Yahoo Beauty 0 ideas Brasil Yahoo Celebridades 35 ideas Brasil Yahoo Cinema 9 ideas Brasil Yahoo Clever 59 ideas Brasil Yahoo Finanças 0 ideas Brasil Yahoo Noticias 0 ideas Brasil Yahoo Vida e estilo 29 ideas Canada Finance 1,099 ideas Canada Finance Mobile Android 0 ideas Canada Finance Mobile DF iOS 3 ideas Canada Finance Mobile iOS 453 ideas Canada Homepage 5,091 ideas Canada Movies 14 ideas Canada News 870 ideas Canada Safely 10 ideas Canada Screen 128 ideas Canada Weather 94 ideas Canada Yahoo Beauty 0 ideas Canada Yahoo Celebrity 10 ideas Canada Yahoo Finance 0 ideas Canada Yahoo Movies 10 ideas Canada Yahoo News 0 ideas Canada Yahoo Style 21 ideas Catalan Weather 8 ideas Chile Cine 1 idea Chile Clima 1 idea Chile Homepage 45 ideas Chile Mujer 3 ideas Chile News 14 ideas Chile Safely 2 ideas College Football Pick'em 112 ideas Colombia Celebridades 6 ideas Colombia Cine 1 idea Colombia Clima 2 ideas Colombia Homepage 69 ideas Colombia Mujer 4 ideas Colombia News 19 ideas Colombia Safely 3 ideas Colombia Screen 0 ideas Commentaires 3,088 ideas Connected TV 352 ideas Corp Mail Test 1 1,313 ideas Corp Mail Testing 1,256 ideas Cricket 14 ideas Daily Fantasy 82 ideas Deutschland Finanzen 333 ideas Deutschland Finanzen Mobile Android 4 ideas Deutschland Finanzen Mobile iOS 42 ideas Deutschland Homepage 3,238 ideas Deutschland Lifestyle 34 ideas Deutschland Nachrichten 266 ideas Deutschland Nachrichten 0 ideas Deutschland Nachrichten Wetter 54 ideas Deutschland Screen 82 ideas Deutschland Spiele 0 ideas Deutschland Stars 29 ideas Deutschland TV 20 ideas Deutschland Yahoo Beauty 0 ideas Deutschland Yahoo Finanzen 0 ideas Deutschland Yahoo Kino 1 idea Deutschland Yahoo Nachrichten 0 ideas Deutschland Yahoo Stars 2 ideas Deutschland Yahoo Style 5 ideas Developer Network 1 idea Double Down 86 ideas España Celebridades 30 ideas España Cine 18 ideas España el Tiempo 42 ideas España Finanzas 383 ideas España Finanzas Mobile Android 0 ideas España Finanzas Mobile iOS 80 ideas España Homepage 1,587 ideas España juegos 7 ideas España Noticias 0 ideas España Noticias Lego 147 ideas España Safely 96 ideas España Tendencias 38 ideas España TV 13 ideas España Vídeo 34 ideas España Yahoo Finanzas 0 ideas España Yahoo Noticias 0 ideas España Yahoo Vida y Estilo 5 ideas Español Celebridades 37 ideas Español Cine 2 ideas Español Clima 12 ideas Español Finanzas 3 ideas Español Homepage 1,334 ideas Español Mujer 27 ideas Español Música 1 idea Español Noticias 208 ideas Español Seguridad 34 ideas Español TV 1 idea Español Video 49 ideas Español Yahoo Beauty 0 ideas Español Yahoo Celebrity 7 ideas Fantasi Piala Dunia 1 idea Fantasy Baseball 422 ideas Fantasy Basketball 366 ideas Fantasy Football 655 ideas Fantasy Hockey 303 ideas Fantasy Live Scoring on Matchup and Standings 785 ideas Fantasy Sports Android Apps 1,366 ideas Fantasy Sports iOS Apps 2,127 ideas Finance 1,054 ideas Finance - CA 481 ideas Finance - DE 26 ideas Finance - UK 258 ideas Finance - US 8 ideas Finance ChartIQ 336 ideas Finance Mobile Web 401 ideas Finance Portfolios 809 ideas Finance Stock Screener 34 ideas Finance Tablet 44 ideas Flickr - Profile 290 ideas Flickr Android 285 ideas Flickr for Apple TV 23 ideas Flickr Groups 12 ideas Flickr Internal 0 ideas Flickr iOS Dogfooding 0 ideas Flickr iPad 313 ideas Flickr iPhone 692 ideas Flickr New Photo Page 8,031 ideas Flickr Search 0 ideas Food Magazines 0 ideas France Cinéma 1 idea France Divertissement 30 ideas France Entertainment 125 ideas France Finance 248 ideas France Finance Mobile Android 7 ideas France Finance Mobile iOS 81 ideas France Météo 43 ideas France News 0 ideas France News Internal bucket 0 ideas France News Lego 1,261 ideas France Safely 209 ideas France Search Desktop 277 ideas France Télé 5 ideas France Vidéo 36 ideas France Yahoo Actualités 0 ideas France Yahoo Beauty 0 ideas France Yahoo Cinéma 1 idea France Yahoo Finance 0 ideas France Yahoo People 13 ideas France Yahoo Style 5 ideas Games 3,147 ideas Global Maps 1,019 ideas Greece News 38 ideas Grupos - BR 264 ideas GS Mobile Web 42 ideas Health Pulse 3 ideas HK Search Mobile 61 ideas Home Page (Android) 1,689 ideas Home Page (iOS) 3,805 ideas Hong Kong Homepage 0 ideas Hong Kong Yahoo Style 0 ideas Hong Kong Yahoo 娛樂圈 5 ideas Hong Kong Yahoo 新聞 0 ideas Hong Kong Yahoo 財經 0 ideas Hong Kong Yahoo 體育 0 ideas India Celebrity 43 ideas India Finance 492 ideas India Homepage 1,861 ideas India Lifestyle 173 ideas India Movies 84 ideas India News 322 ideas India Partner Portal Tata 0 ideas India Partner Portal Tikona 0 ideas India Safely 15 ideas India Screen 165 ideas India Style Factor 4 ideas India Weather 30 ideas India Yahoo Beauty 0 ideas India Yahoo Celebrity 4 ideas India Yahoo Finance 0 ideas India Yahoo Movies 16 ideas India Yahoo News 0 ideas India Yahoo Style 14 ideas Indonesia Celebrity 38 ideas Indonesia Homepage 1,146 ideas Indonesia News 170 ideas Indonesia Olahraga 6 ideas Indonesia Safely 29 ideas Indonesia She 34 ideas Indonesia Style Factor 4 ideas Ireland Homepage 90 ideas Italia Celebrity 20 ideas Italia Cinema 24 ideas Italia Finanza 659 ideas Italia Finanza Mobile Android 6 ideas Italia Finanza Mobile iOS 207 ideas Italia Giochi 4 ideas Italia Homepage 1,008 ideas Italia Notizie 0 ideas Italia Notizie Lego 163 ideas Italia Safely 153 ideas Italia TV 14 ideas Italia Video 24 ideas Italia Yahoo Beauty 0 ideas Italia Yahoo Celebrity 1 idea Italia Yahoo Cinema 2 ideas Italia Yahoo Finanza 0 ideas Italia Yahoo Notizie 0 ideas Italia Yahoo Style 1 idea Japan Weather 2 ideas Jordan Maktoob Homepage 411 ideas La quiniela del Mundial 0 ideas Liga Fantástica 34 ideas Liga Fantástica 4 ideas Mail Ad Feedback 10 ideas Maktoob 0 ideas Maktoob الطقس مكتوب 5 ideas Maktoob Celebrity 1 idea Maktoob Entertainment 10 ideas Maktoob Lifestyle 0 ideas Maktoob Movies 2 ideas Maktoob News 182 ideas Maktoob Screen 15 ideas Maktoob Style 1 idea Maktoob أخبار مكتوب 112 ideas Maktoob ألعاب مكتوب 0 ideas Maktoob شاشة مكتوب 28 ideas Maktoob مكتوب Celebrity 41 ideas Maktoob مكتوب رياضة 26 ideas Malaysia Homepage 15 ideas Malaysia News 58 ideas Malaysia Safely 6 ideas Malaysia Video 0 ideas Malaysia Weather 1 idea Merchant Solutions 1 idea My Yahoo 31,752 ideas My Yahoo - back up 1 idea My Yahoo - US 9,175 ideas My Yahoo archive 314 ideas México Celebridades 45 ideas México Cine 3 ideas México Clima 16 ideas México Finanza 49 ideas México Homepage 373 ideas México Mujer 37 ideas México Música 4 ideas México Noticia 185 ideas México Safely 13 ideas México TV 5 ideas México Video 8 ideas New Mail 6,814 ideas New Mail (DE) 721 ideas New Mail (ES) 2,393 ideas New Mail (FR) 3,678 ideas New Mail (ID) 632 ideas New Mail (PT) 1,397 ideas New Mail (RO) 156 ideas New Mail* 1,616 ideas New Zealand Business & Finance 131 ideas New Zealand Homepage 1,040 ideas New Zealand Safely 3 ideas New Zealand Screen 0 ideas Peru Safely 4 ideas Perú cine 1 idea Perú Clima 1 idea Perú Homepage 35 ideas Perú Mujer 0 ideas Perú Noticias 7 ideas PH ANC News 21 ideas Philippines Celebrity 214 ideas Philippines Homepage 6 ideas Philippines News 123 ideas Philippines Safely 12 ideas Philippines Video 0 ideas Philippines Weather 3 ideas Pick N Roll 19 ideas Poland Homepage 0 ideas Postmaster 40 ideas Predictor 3 ideas Pro Football Pick'em 99 ideas Página inicial do Yahoo 3,722 ideas Quebec Safely 6 ideas Québec - page d'accueil 433 ideas Québec Actualités 42 ideas Québec Finance 36 ideas Québec Météo 5 ideas Québec Partner Portal Rogers 0 ideas Québec Être 0 ideas Retail Pulse 0 ideas Rivals 10 ideas România Celebrity 4 ideas România Homepage 0 ideas România News 52 ideas Russia Homepage 0 ideas Safely 165 ideas Screen for iOS 0 ideas Search Extensions 84 ideas Search Product Downloads 86 ideas Security 497 ideas Sign-In Experience 79 ideas Singapore Entertainment 20 ideas Singapore Finance 230 ideas Singapore Homepage 1,046 ideas Singapore News 212 ideas Singapore Safely 11 ideas Singapore Screen 19 ideas Singapore Weather 4 ideas Singapore Yahoo Beauty 0 ideas Singapore Yahoo Celebrity 4 ideas Singapore Yahoo Finance 0 ideas Singapore Yahoo Movies 0 ideas Singapore Yahoo News 0 ideas Singapore Yahoo Style 4 ideas South Africa Celebrity 8 ideas South Africa Homepage 373 ideas South Africa News 23 ideas Sports Android 1,530 ideas Sports CA 32 ideas Sports DE 7 ideas Sports ES 0 ideas Sports FR 23 ideas Sports GB 24 ideas Sports iOS 1,024 ideas Sports IT 6 ideas Sports PT 1 idea Sports Redesign 3,109 ideas SportsReel 6 ideas StatTracker Beta 544 ideas Survival Football 80 ideas Taiwan Yahoo 名人娛樂 0 ideas Taiwan Yahoo 奇摩新聞 0 ideas Taiwan Yahoo 運動 0 ideas Taiwan Yahoo 運動 0 ideas Taiwan Yahoo 電影 0 ideas Test 0 ideas Test 0 ideas Thailand Safely 2 ideas Toolbar Mail App 216 ideas Toolbar Weather App 72 ideas Tourney Pick'em 41 ideas Turkey Homepage 0 ideas TW Finance 0 ideas UK & Ireland Fairy Non Bio 30 ideas UK & Ireland Finance 1,077 ideas UK & Ireland Games 19 ideas UK & Ireland Homepage 429 ideas UK & Ireland News 0 ideas UK & Ireland News Internal bucket 0 ideas UK & Ireland News Lego 374 ideas UK & Ireland Safely 38 ideas UK & Ireland TV 21 ideas UK & Ireland Video 187 ideas UK & Ireland Weather 99 ideas UK & Ireland Yahoo Beauty 0 ideas UK & Ireland Yahoo Celebrity 17 ideas UK & Ireland Yahoo Finance 0 ideas UK & Ireland Yahoo Movies 8 ideas UK & Ireland Yahoo News 0 ideas UK & Ireland Yahoo Style 9 ideas UK Answers 1 idea UK Daily Fantasy 0 ideas UK Finance Mobile Android 12 ideas UK Finance Mobile DF iOS 2 ideas UK Finance Mobile iOS 301 ideas UK Search Desktop 124 ideas UK Yahoo Movies 23 ideas US Answers 8,881 ideas US Answers Mobile Web 2,152 ideas US Autos GS 442 ideas US Celebrity GS 657 ideas US Comments 350 ideas US ES Yahoo Celebridades 17 ideas US ES Yahoo Cine 4 ideas US ES Yahoo Finanzas 0 ideas US ES Yahoo Noticias 0 ideas US ES Yahoo Vida y Estilo 11 ideas US Finance Mobile Android 38 ideas US Finance Mobile iOS 459 ideas US Flickr 517 ideas US Groups 4,011 ideas US Homepage B1 68 ideas US Homepage B2 33 ideas US Homepage B3 50 ideas US Homepage B4 33 ideas US Homepage B5 0 ideas US Homepage M 7,022 ideas US Homepage YDC 43 ideas US Homes GS 203 ideas US Live Web Insights 24 ideas US Mail 11,951 ideas US Mail 193 ideas US Membership Desktop 6,960 ideas US Membership Mobile 91 ideas US Movies GS 424 ideas US Music GS 195 ideas US News 5,905 ideas US Search App Android 2 ideas US Search App iOS 10 ideas US Search Chrome Extension 780 ideas US Search Chrome Extension v2 2,198 ideas US Search Desktop 1 idea US Search Desktop Bucket A 7 ideas US Search Desktop Bucket B 8 ideas US Search KG 1 idea US Search Local Listings 20,680 ideas US Search Mobile Web 9 ideas US Search Mozilla 0 ideas US Search Stock Quotes 11 ideas US Search Tablet Web 6 ideas US Shine GS 1 idea US Toolbar 5,549 ideas US Travel GS 207 ideas US TV GS 365 ideas US Weather 2,304 ideas US Weather Bucket 0 ideas US Weather Mobile 13 ideas US Weather Mobile Android 2 ideas US-ES Yahoo Beauty 0 ideas Venezuela Cine 0 ideas Venezuela Clima 1 idea Venezuela Homepage 42 ideas Venezuela Noticias 7 ideas Venezuela Safely 2 ideas Video Guide Android 149 ideas Video Guide iOS 200 ideas Video Guide Testing 15 ideas Viet Nam Answers 500 ideas Viet Nam Homepage 243 ideas Viet Nam Safely 11 ideas Việt Nam Game 0 ideas Việt Nam Thế Giới Sao 11 ideas Việt Nam Tin Tức 105 ideas Web Hosting 4 ideas Welcome to the Yahoo Finance Feedback Forum, the place where you can make product suggestions and provide feedback. We’re always trying to improve our products and use your feedba 0 ideas WM-Tippspiel 1 idea Y! Hava Durumu (iOS) 258 ideas Y! időjárás (iOS) 29 ideas Y! Pogoda (iOS) 76 ideas Y! Počasie (iOS) 22 ideas Y! Počasí (iOS) 37 ideas Y! Sää (iOS) 22 ideas Y! Tempo (iOS) 530 ideas Y! Tempo (iOS) 73 ideas Y! Vrijeme (iOS) 36 ideas Y! Väder (iOS) 166 ideas Y! Været (iOS) 92 ideas Y! Weer (iOS) 189 ideas Y! 날씨 (iOS) 133 ideas Yahoo Accessibility 354 ideas Yahoo Answers Italia 875 ideas Yahoo Autos 71 ideas Yahoo Beauty 100 ideas Yahoo Celebrity 0 ideas Yahoo Celebrity Canada 0 ideas Yahoo Celebrity HK 0 ideas Yahoo Decor 0 ideas Yahoo Divertissement France 0 ideas Yahoo Entertainment 354 ideas Yahoo Esports 50 ideas Yahoo Feedback 0 ideas Yahoo Financas BR Mobile Android 0 ideas Yahoo Finance IN Mobile Android 0 ideas Yahoo Finance SG Mobile Android 1 idea Yahoo FinanceReel 4 ideas Yahoo Finanzas ES Mobile Android 0 ideas Yahoo Finanzas Espana Mobile Android 0 ideas Yahoo Food 118 ideas Yahoo Gemini 2 ideas Yahoo Health 90 ideas Yahoo Help 39 ideas Yahoo Home 273 ideas Yahoo Home* 22 ideas Yahoo Lifestyle 167 ideas Yahoo Live 0 ideas Yahoo Mail 1,812 ideas Yahoo Mail Android App 381 ideas Yahoo Mail Basic 589 ideas Yahoo Mail iOS App 42 ideas Yahoo Mail Mobile Web 0 ideas Yahoo Makers 51 ideas Yahoo Messenger 213 ideas Yahoo Messenger 102 ideas Yahoo Mobile Developer Suite 60 ideas Yahoo Mobile for Phone 15 ideas Yahoo Mobile for Tablet 0 ideas Yahoo Music 74 ideas Yahoo News Digest Android 870 ideas Yahoo News Digest iPad 0 ideas Yahoo News Digest iPhone 1,531 ideas Yahoo Newsroom Android App 120 ideas Yahoo Newsroom iOS App 26 ideas Yahoo Parenting 63 ideas Yahoo Politics 118 ideas Yahoo Pour Elles 107 ideas Yahoo Publishing 13 ideas Yahoo Questions Réponses 359 ideas Yahoo Real Estate 2 ideas Yahoo Respostas 3,045 ideas Yahoo Respostas Brasil 92 ideas Yahoo Respuestas 3,124 ideas Yahoo Screen Hong Kong 7 ideas Yahoo Tech 456 ideas Yahoo Travel 143 ideas Yahoo TV 98 ideas Yahoo View 172 ideas Yahoo Weather Android 2,127 ideas Yahoo Weather iOS 22,425 ideas Yahoo Wetter (iOS) 562 ideas Yahoo 奇摩3C科技 21 ideas Yahoo 奇摩名人娛樂 116 ideas Yahoo 奇摩字典 406 ideas Yahoo 奇摩家庭網路安全 213 ideas Yahoo 奇摩影音 746 ideas Yahoo 奇摩房地產 36 ideas Yahoo 奇摩房地產(New) 23 ideas Yahoo 奇摩拍賣 68 ideas Yahoo 奇摩拍賣 手機版 (Android) 383 ideas Yahoo 奇摩搜尋 Mobile 0 ideas Yahoo 奇摩搜尋 建議討論區 50 ideas Yahoo 奇摩搜尋KG 建議討論區 1 idea Yahoo 奇摩新聞 建議討論區 2,421 ideas Yahoo 奇摩新聞 手機版 (Android) 1,158 ideas Yahoo 奇摩新聞 手機版 (iOS) 286 ideas Yahoo 奇摩時尚美妝 2 ideas Yahoo 奇摩時尚美妝 建議討論區 46 ideas Yahoo 奇摩氣象 手機版 523 ideas Yahoo 奇摩汽車機車 379 ideas Yahoo 奇摩理財 119 ideas Yahoo 奇摩知識+ 0 ideas Yahoo 奇摩購物中心 手機版 (Android) 6,199 ideas Yahoo 奇摩購物中心 手機版 (iOS) 0 ideas Yahoo 奇摩購物中心 每日好康 APP (Android) 15 ideas Yahoo 奇摩購物中心 每日好康 APP (iOS) 47 ideas Yahoo 奇摩超級商城 手機版 (Android) 3,645 ideas Yahoo 奇摩超級商城 手機版 (iOS) 2,427 ideas Yahoo 奇摩遊戲 32 ideas Yahoo 奇摩運動 358 ideas Yahoo 奇摩電影 0 ideas Yahoo 奇摩電競 2 ideas Yahoo 奇摩首頁 213 ideas Yahoo! 7 Food App (iOS) 0 ideas Yahoo! 7 Homepage Archive 57 ideas Yahoo!
7 News (iOS) 23 ideas Yahoo! 7 Screen 0 ideas Yahoo! 7 TV FANGO App (Android) 1 idea Yahoo! 7 TV FANGO App (iOS) 1 idea Yahoo! 7 TV Guide App (Android) 0 ideas Yahoo! 7 TV Guide App (iOS) 1,233 ideas Yahoo! 7 TV Plus7 App (iOS) 0 ideas Yahoo! Concept Test Feedback Center 174 ideas Yahoo! Contributor Network 1 idea Yahoo! Transliteration 29 ideas Yahoo! TV 19 ideas YAHOO!7 Finance 548 ideas Yahoo!7 Games 9 ideas Yahoo!7 Safely 19 ideas Yahoo7 Finance Mobile DF iOS 12 ideas Yahoo7 Finance Mobile iOS 216 ideas Yahoo7 Homepage 2,533 ideas Yahoo奇摩Local 344 ideas Yahoo奇摩旅遊使用意見分享 34 ideas Yahoo奇摩遊戲使用意見分享 40 ideas Yahoo奇摩電影使用意見分享 49 ideas Ελλάδα Celebrity 6 ideas Ελλάδα Homepage 0 ideas Καιρός Y! (iOS) 55 ideas Ομάδες Yahoo 0 ideas - 6 ideas فنتازي كرة القدم 3 ideas 足球經理人 153 ideas 足球經理人 21 ideas 雅虎天气手机版 2,429 ideas 雅虎香港 Homepage 10 ideas 雅虎香港Local 19 ideas 雅虎香港Safely 144 ideas 雅虎香港STYLE 51 ideas 雅虎香港地圖 0 ideas 雅虎香港天氣報告 33 ideas 雅虎香港娛樂圈 0 ideas 雅虎香港字典 197 ideas 雅虎香港搜尋 建議討論區 0 ideas 雅虎香港搜尋KG 建議討論區 0 ideas 雅虎香港新聞 348 ideas 雅虎香港旅遊 1 idea 雅虎香港知識+ 0 ideas 雅虎香港財經 (iOS) 347 ideas 雅虎香港財經 Android 2 ideas 雅虎香港電影 1 idea 雅虎香港首頁 84 ideas 雅虎香港體育 30 ideas. Your password has been reset. We have made changes to increase our security and have reset your password. We've just sent you an email to . Click the link to create a password, then come back here and sign in.
Comments
Post a Comment