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2024 Land Rover Defender — rolling negative equity into another car

SunBeltDaily76Community StarterMay 24, 20262024 Land Rover Defender 110 P400San Diego
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. If I figure it out I will update the thread.
apr
11.4
location
San Diego
trade in
term months
72
asking price
56500
dealer doc fee
699
permalink

2 replies

HighwayGuy68Community StarterCommunity StarterMay 25, 2026permalink
Insurance and tax belong in the comparison, not as a surprise. Call your insurer in San Diego before you fall in love with the 2024 Land Rover Defender. I'd rather lose the car than buy a foggy deal. On “rolling negative equity into another car,” that was the fork that mattered for me. Happy to compare notes if your setup is different. If your situation is the opposite, ignore me. I'd rather look cautious in this thread than stuck later.
HighwayGuy68Community StarterCommunity StarterMay 25, 2026permalink
Walk if they won't put it on a buyer’s order. If they're pushing term length to shrink the payment, the 2024 Land Rover Defender price probably got worse. Screenshot the worksheet if you can. If you share a photo of the worksheet, easier to sanity-check. Not letting add-ons ride along because everyone does.
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