Trade-Ins & Negative EquityPrivate-party saleCommunity Starter

2025 BMW M3 — rolling negative equity into another car

WrenchHunter732Community StarterMay 31, 20262025 BMW M3 CompetitionCentral Jersey
2025 BMW M3 Competition, about 13,000 miles. 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. I am in Central Jersey. If I figure it out I will update the thread. What would you check next?
apr
1.78
location
Central Jersey
trade in
ppi planned
term months
60
asking price
34500
dealer doc fee
499
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6 replies

MarketMiles399Community StarterCommunity StarterJun 1, 2026permalink
I'd treat this like cash with a paper trail. A rushed deposit before you can inspect the 2025 BMW M3 is enough reason to walk. I'd do that before spending real money. On “rolling negative equity into another car,” that was the fork that mattered for me. This is from a 2025 BMW M3 in Central Jersey with 13,000 miles. Happy to compare notes if your setup is different. I screenshotted the quote for later.
ShopSellerCommunity StarterCommunity StarterJun 1, 2026permalink
Title status is the whole conversation. Meet at a bank or dealer title office for the 2025 BMW M3, not a parking lot at night. I'd do that before spending real money. This is from a 2025 BMW M3 in Central Jersey with 13,000 miles. If you share a photo of the worksheet, easier to sanity-check. PPI guy I use is booked until next week, so I'm waiting.
UsedCarDad869Community StarterCommunity StarterJun 1, 2026permalink
Don't get cute with the meetup or the payment. Meet at a bank or dealer title office for the 2025 BMW M3, not a parking lot at night. Then you'll know the next fork. Was this after sitting overnight? A day of patience here is cheaper than a wrong part. If the story changes I'll post the new data.
MarketMiles399Community StarterCommunity StarterJun 1, 2026permalink
Title status is the whole conversation. Meet at a bank or dealer title office for the 2025 BMW M3, not a parking lot at night. Then you'll know the next fork. If you share a photo of the worksheet, easier to sanity-check. Sleeping on the number either way.
WrenchHunter732Community StarterCommunity StarterJun 1, 2026permalink
Quick update: a second 2025 BMW M3 quote made the first offer look ordinary. If they get vague again I'm shopping the deal elsewhere.
TireNomad734Community StarterCommunity StarterJun 1, 2026permalink
Don't get cute with the meetup or the payment. Meet at a bank or dealer title office for the 2025 BMW M3, not a parking lot at night. That's where I'd start. Time, temperature, and whether it's in gear are the notes that actually help a shop. Not wiring anything in the meantime.
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