Trade-in: how to get the most for your current car

Trading in your current car is the fastest way to lower the price of the next one: no listing, no strangers test-driving it, and the value goes straight into your deal. Here is how to get the best number for it.

1. Clean it like you mean it

A washed, vacuumed car with no personal items photographs and inspects better. Fix the easy things: a burned-out bulb, low tire pressure, a missing floor mat.

2. Gather the records

Oil changes, tires, brakes, major repairs. A folder of receipts tells the appraiser the car was cared for, and that is worth money.

3. Bring the paperwork

• Title, or the lender's payoff information if you still owe on it.
• All keys and remotes.
• Your ID and registration.

4. Know the market

Check a couple of online estimators the day before. They are a range, not a promise, but they help you recognize a fair offer. Mileage, condition and demand for that model in Houston move the number.

5. Mention upgrades that matter

New tires, a recent transmission service or a factory tow package add real value. Aftermarket stereo or wheels usually do not.

How the value applies

The trade-in value is applied like a down payment: it reduces the amount financed on your next vehicle. If you still owe more than the car is worth, the difference can sometimes be rolled into the new financing — an advisor explains the options and each lender decides.

Get an estimate online

Start on our trade-in page: tell us the vehicle and mileage and we get back to you with a range before you drive over. Then pick your next one from the inventory.