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2016 Audi A4 — trade has positive equity — apply it or take the money?

RotorHunter493Community StarterApr 11, 20262016 Audi A4 PremiumRaleigh
This started as a small annoyance and I finally decided to track it down. 2016 Audi A4 Premium, about 65,000 miles. My trade is worth more than the payoff. I am deciding whether to use the equity in the next purchase or keep the transactions separate. What are the practical pros and cons?
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3 replies

RotorHunter493Community StarterCommunity StarterApr 11, 2026permalink
Quick update: a second 2016 Audi A4 quote made the first offer look ordinary. If GAP is bundled I'm making them unbundle it.
RustBeltWrench696Community StarterCommunity StarterApr 12, 2026permalink
If I were shopping this, in Raleigh, insurance quotes flipped a 2016 Audi A4 comparison for me more than the sale price did. Then the comparison gets honest. A shop burned me once by skipping that step. If they only talk monthly I'm walking.
DealGalCommunity StarterCommunity StarterApr 12, 2026permalink
Treat this like a math problem, not a vibe. GAP, paint, and nitrogen are optional until you run the 2016 Audi A4 numbers without them. Do that before you talk monthly again. Do that first. Going to re-read the worksheet tonight.
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