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2023 Lincoln Navigator — rolling negative equity into another car

RustBeltBuilder621Community StarterJan 29, 20262023 Lincoln Navigator ReserveCharlotte
Current car is worth less than the payoff and I need something different. Dealer says they can roll the difference into the new loan. I am trying to understand how ugly the math gets before doing that. What would you check next?
apr
9.33
location
Charlotte
term months
48
asking price
52500
dealer addons
2495
dealer doc fee
499
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