Upgrade or keep current car?

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I have a 21 hybrid with 24k miles on it. Even with the current wear and tear on the cheap paint and some scratches on the cheap interior, Carvana would give me $21k for it.

I owe $13,600 on it. Tell me if I’m being realistic:

Dealer I use has a 2024 SE hybrid for $28k. Hypothetical after fees and all that with no add-ons, could I realistically expect to actually save money by trading and then paying off a remaining $8-$10k? Would a Toyota dealership give me close to $20k if I had that trade value number on hand? Or am I oversimplifying the OTD price?

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Posted: 7 months ago
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