You can trade in your vehicle at any time but there will be a penalty. 1. They look at balance owing on either the lease or finance. 2. They put your car up for auction to see what the market will pay for it. 3. Once determined what the market will pay (this is other dealers) then they use that as down payment for you next car and add in any residual owing from your loan or lease. So for me I was differed 7500 but the lease full payout of which is remaining payments plus residual value at end of lease. In my case a large deficit. Since you have paid 3 years on a loan for 6 years you might be in better shape with the variance. You might want to sell it yourself and pay out the loan with probably a surplus then get into your next car. Or if it is a lease go to lease busters to sell off the remaining lease. But you will need to provide an incentive to sell it like a grand in cash or winter tires or something.
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View my fuel log 2015 Micra SR automatic: 8.0 L/100 km ... 35.4 mpg (Imp) ... 12.5 km/L ... 29.5 mpg (US) ...