CarPaymentRelief.com · Free · Your numbers show without signing up
Stuck in a car loan? Get the honest math.
Nearly 1 in 3 people trading in a car on a new purchase is upside down right now (Edmunds, Q2 2026). In 60 seconds, see your real position and every way out, ranked. No signup, no credit pull to see your numbers, no dealer spin, nothing to buy.
Not sure? If your contract mentions a "residual value" or "money factor," it's a lease.
Lease math is different (residuals, disposition fees, transfer options) — the lease version is coming soon. This loan calculator would give you wrong answers for a lease, so we'd rather say "not yet" than mislead you.
Enter a payoff between $500 and $150,000.
Enter a payment between $50 and $3,000.
Enter an APR between 0 and 45%.
Check KBB or a Carvana offer — the trade-in / instant-offer number, not the dealer-listing price. A private sale usually brings more than a trade-in offer; we start from the conservative number on purpose.
Enter a value between $500 and $150,000.
If the math says your current loan is already your best move, this page will say so. That's the point.
Equity and sell numbers use what a dealer or instant offer pays today — your worst case. A private sale usually brings more and shrinks any gap.
Your options, ranked
How we order these: lowest-cost, lowest-risk moves first, based on your numbers. Nothing here is paid placement — no lender, marketplace, or dealer pays us anything, and no one can buy a spot on this list. Refi figures are — your actual quote depends on the lender, vehicle, and full credit picture. Watch for the payment trick: lenders may quote a lower payment by stretching your term, which costs more in total. Compare total cost, not just the payment.
Keep these numbers
We'll email your results — every number on this page, in writing, yours to keep. No account, no login, no follow-up you didn't ask for.
We are not a lender. Nobody here quotes a teaser rate and switches it later. And running your math cost you zero credit pulls: nothing on this page touches your credit report.
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Text me rate-drop alerts too (optional). By checking, I agree to receive recurring automated alert texts from Car Payment Relief at the number I provide. Consent isn't a condition of using anything here. Msg frequency varies; msg & data rates may apply. Reply STOP to cancel, HELP for help. Terms: [link at deploy] · Privacy: [link at deploy].
Sent. Watch your inbox — and good luck out there.
By submitting you'll get one email with your results. We don't sell your information to data brokers, ever. If you later ask us to connect you with a lender, we'll share your info with that one partner — and we may be paid if your loan funds. We'll tell you before that happens.
The honest fine print: Everything here is an educational estimate, not financial or legal advice and not an offer of credit. Refinance figures use as of — your actual rate depends on the lender, the vehicle, and your full credit picture. Repossession figures are ranges based on typical auction recoveries against wholesale value plus typical fees; the CFPB found 94% of ~905,000 repossession sales ended with a balance still owed, averaging $11,340 (data through Dec 2022, published Jan 2025). Deficiency rules vary by state — some states limit or bar these claims. Talk to your lender, a credit union, or a consumer attorney before acting on any of this.