Upside Down Trading<TITLE> <META NAME="keywords" CONTENT="Upside Down Trading, Trade Difference, car buying tips, auto loan"> <META NAME="Generator" CONTENT="Carz4less"> <BASE TARGET="_top"> <STYLE TYPE="text/css">BODY {margin-left:0; margin-right:0; margin-top:0;}</STYLE> <style type="text/css">  </style> <STYLE TYPE="text/css"> .Arial-11pxFF0000b {font:bold 11px Arial, sans-serif; color:#FF0000} .Arial-11pxb {font:bold 11px Arial, sans-serif} .Arial-11pxn {font:normal 11px Arial, sans-serif} .Arial-16pxb {font:bold 16px Arial, sans-serif} .Arial-18pxn {font:normal 18px Arial, sans-serif} .Arial-13pxn {font:normal 13px Arial, sans-serif} .Arial-18pxb {font:bold 18px Arial, sans-serif} .Arial-16pxn {font:normal 16px Arial, sans-serif} .Arial-24pxn {font:normal 24px Arial, sans-serif} </STYLE> </HEAD> <BODY SCROLL="auto" BGCOLOR="#FFFFFF" TOPMARGIN=0 LEFTMARGIN=0> <DIV ID="idElement182" style="position:absolute; top:166px; left:492px; width:335px; height:27px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=335><TR VALIGN=top><TD><DIV align=left><h1>Upside Down Trading</h1></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement13" style="position:absolute; top:229px; left:446px; width:401px; height:64px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=401><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn> <em>Upside down</em> trading is not as difficult as you might think. The key to trading a vehicle with negative equity is what we call <b>trade difference</b>. Knowing the <b>trade difference</b> will help determine how <em>upside down</em> you really are. </FONT></DIV></TD></TR></TABLE></DIV> <DIV style="position:absolute; top:0px; left:0px; width:1px; height:1px;"><A HREF="http://www.carz4less.com/"><IMG SRC="t.gif" ALT="upside down trading" WIDTH=1 HEIGHT=1 BORDER=0></A></DIV> <DIV ID="idElement110" style="position:absolute; top:-1px; left:257px; width:790px; height:190px;"><IMG SRC="http://www.carz4less.com/images/logo.jpg" NAME="idElement110Img" ID="idElement110Img" WIDTH=790 HEIGHT=190 BORDER=0></A></DIV> <DIV ID="idElement31" style="position:absolute; top:189px; left:258px; width:788px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=788> <TR VALIGN="top" ALIGN="left"><TD WIDTH=788 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement141" style="position:absolute; top:206px; left:874px; width:7px; height:118px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=7> <TR VALIGN="top" ALIGN="left"><TD WIDTH=7 HEIGHT=118 BGCOLOR="#FFFFFF"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement171" style="position:absolute; top:190px; left:236px; width:194px; height:194px;"><IMG SRC="http://www.carz4less.com/images/Software-CD.jpg" NAME="idElement171Img" ID="idElement171Img" WIDTH=194 HEIGHT=194 BORDER=0></A></DIV> <DIV ID="idElement91" style="position:absolute; top:361px; left:264px; width:156px; height:80px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=156><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>Our software helps you save money. It will help you make the "right deal" and keep your hard earned cash in your pocket. </FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement131" style="position:absolute; top:194px; left:878px; width:150px; height:90px;"><IMG SRC="http://www.carz4less.com/images/Join-Today.jpg" NAME="idElement131Img" ID="idElement131Img" WIDTH=150 HEIGHT=90 BORDER=0></A></DIV> <DIV ID="idElement151" style="position:absolute; top:249px; left:901px; width:100px; height:100px;"><IMG SRC="http://www.carz4less.com/images/paypal-verification-seal.gif" NAME="idElement151Img" ID="idElement151Img" WIDTH=100 HEIGHT=100 BORDER=0></A></DIV> <DIV ID="idElement23" style="position:absolute; top:358px; left:878px; width:153px; height:54px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=153><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-16pxn> <form action="https://www.paypal.com/cgi-bin/webscr" method="post"> <input type="hidden" name="cmd" value="_s-xclick"> <input type="hidden" name="hosted_button_id" value="1151817"> <input type="image" src="https://www.paypal.com/en_US/i/btn/btn_subscribeCC_LG.gif" border="0" name="submit" alt=""> <img alt="" border="0" src="https://www.paypal.com/en_US/i/scr/pixel.gif" width="1" height="1"> </form> </FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement25" style="position:absolute; top:459px; left:276px; width:137px; height:21px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=137><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-18pxn>Car Buying Tips</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement26" style="position:absolute; top:487px; left:267px; width:160px; height:96px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=160><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>Top Car Buying Articles<BR /> <a href="http://www.carz4less.com/car-buying-tips/13-dealer-secrets.html">13 Dealer Secrets</a><BR /> <a href="http://www.carz4less.com/car-buying-tips/no-money-down.html">No Money Down</a><BR /> <a href="http://www.carz4less.com/car-buying-tips/negotiating.html">Negotiating</a><br /> <a href="http://www.carz4less.com/car-buying-tips/4-square.html">The 4 Square</a><BR /> <a href="http://www.carz4less.com/car-buying-tips/upside-down-trading.html">Upside Down Trading</a><BR /> <a href="http://www.carz4less.com/car-buying-tips.html">More Car Buying Tips</a></FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement1" style="position:absolute; top:502px; left:882px; width:152px; height:19px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=152><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-16pxb>Auto Classified Ads</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement2" style="position:absolute; top:533px; left:882px; width:114px; height:48px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=114><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>Browse Ads<BR> Add Listing<BR> Saved Ads</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement8" style="position:absolute; top:598px; left:264px; width:160px; height:81px;"><IMG SRC="http://www.carz4less.com/images/login.jpg" NAME="idElement8Img" ID="idElement8Img" WIDTH=160 HEIGHT=81 BORDER=0></A></DIV> <DIV ID="idElement3011" style="position:absolute; top:1079px; left:293px; width:738px; height:32px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=738><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>| Copyright Carz4less 1997-2008 | Home | Join | Login | Car Buying Articles | Research New Cars | Research Used Cars | | Research Trade-in | Terms of Service | Disclaimer | Sitemap | Browse Ads | Add Listing | Saved Ads |</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement3" style="position:absolute; top:189px; left:1045px; width:1px; height:865px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=865 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement4" style="position:absolute; top:1053px; left:257px; width:789px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=789> <TR VALIGN="top" ALIGN="left"><TD WIDTH=789 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement5" style="position:absolute; top:1121px; left:256px; width:790px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=790> <TR VALIGN="top" ALIGN="left"><TD WIDTH=790 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement7" style="position:absolute; top:190px; left:862px; width:1px; height:864px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=864 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement14" style="position:absolute; top:190px; left:431px; width:1px; height:864px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=864 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement15" style="position:absolute; top:189px; left:257px; width:1px; height:865px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=865 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement16" style="position:absolute; top:1060px; left:257px; width:789px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=789> <TR VALIGN="top" ALIGN="left"><TD WIDTH=789 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement17" style="position:absolute; top:1060px; left:1045px; width:1px; height:61px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=61 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement18" style="position:absolute; top:1060px; left:256px; width:1px; height:62px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=62 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement19" style="position:absolute; top:299px; left:446px; width:400px; height:48px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=400><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>Let's take a look at an example. Assume you are trading in a vehicle that is worth $ 10,000 but you still owe $ 13,000 on it. You are $3,000 upside down. </FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement20" style="position:absolute; top:356px; left:447px; width:399px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=399> <TR VALIGN="top" ALIGN="left"><TD WIDTH=399 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement2011" style="position:absolute; top:594px; left:447px; width:399px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=399> <TR VALIGN="top" ALIGN="left"><TD WIDTH=399 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement21" style="position:absolute; top:357px; left:845px; width:1px; height:238px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=238 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement9" style="position:absolute; top:357px; left:447px; width:1px; height:238px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=238 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement6" style="position:absolute; top:356px; left:646px; width:1px; height:239px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=239 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement10" style="position:absolute; top:474px; left:447px; width:399px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=399> <TR VALIGN="top" ALIGN="left"><TD WIDTH=399 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement11" style="position:absolute; top:368px; left:472px; width:348px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=348><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn> </FONT><FONT CLASS=Arial-11pxb> Selling Price Trade Allowance</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement1111" style="position:absolute; top:485px; left:473px; width:348px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=348><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn> </FONT><FONT CLASS=Arial-11pxb> Down Payment Monthly Payments</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement12" style="position:absolute; top:387px; left:482px; width:106px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=106><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>MSRP $28,300</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement22" style="position:absolute; top:387px; left:714px; width:101px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=101><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>ACV $ 10,000</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement24" style="position:absolute; top:504px; left:521px; width:40px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=40><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 4,600</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement27" style="position:absolute; top:504px; left:725px; width:57px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=57><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 550 -575</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement34" style="position:absolute; top:402px; left:574px; width:141px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=141><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxFF0000b>Trade Difference $ 18,300</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement35" style="position:absolute; top:416px; left:575px; width:142px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=142><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxFF0000b>+ Payoff $</FONT><FONT CLASS=Arial-11pxb> 13,000</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement36" style="position:absolute; top:430px; left:574px; width:140px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=140><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>Subtotal $ 31,300</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement37" style="position:absolute; top:429px; left:671px; width:48px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=48> <TR VALIGN="top" ALIGN="left"><TD WIDTH=48 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement38" style="position:absolute; top:449px; left:630px; width:89px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=89><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn>+ TT&L, Doc Fees</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement39" style="position:absolute; top:602px; left:447px; width:398px; height:64px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=398><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>In the above example your bottom line is $ 31,300 + (TT&L + Doc) which is roughly $ 33,000 without deducting any cash down or available rebate. Keep in mind however this is a first pencil meaning there is still room (profit) to negotiate. </FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement40" style="position:absolute; top:671px; left:447px; width:397px; height:32px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=397><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>MSRP is $ 28,300 but you'll want to deal on that. So if you offer say $ 400 over invoice it would look something like the following:</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement28" style="position:absolute; top:709px; left:447px; width:397px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=397> <TR VALIGN="top" ALIGN="left"><TD WIDTH=397 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement41" style="position:absolute; top:806px; left:447px; width:396px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=396> <TR VALIGN="top" ALIGN="left"><TD WIDTH=396 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement29" style="position:absolute; top:709px; left:843px; width:1px; height:188px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=188 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement30" style="position:absolute; top:709px; left:446px; width:1px; height:188px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=188 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement32" style="position:absolute; top:897px; left:446px; width:398px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=398> <TR VALIGN="top" ALIGN="left"><TD WIDTH=398 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement33" style="position:absolute; top:709px; left:646px; width:1px; height:189px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=1> <TR VALIGN="top" ALIGN="left"><TD WIDTH=1 HEIGHT=189 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement1121" style="position:absolute; top:716px; left:474px; width:348px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=348><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn> </FONT><FONT CLASS=Arial-11pxb> Selling Price Trade Allowance</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement111111" style="position:absolute; top:812px; left:471px; width:348px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=348><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn> </FONT><FONT CLASS=Arial-11pxb> Down Payment Monthly Payments</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement42" style="position:absolute; top:735px; left:474px; width:347px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=347><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn> </FONT><FONT CLASS=Arial-11pxb>$ 26,400 $ 10,000</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement43" style="position:absolute; top:749px; left:558px; width:173px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=173><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxFF0000b>Trade Difference $ 16,400</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement44" style="position:absolute; top:761px; left:559px; width:172px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=172><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxFF0000b>+ Payoff $ 13,000</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement45" style="position:absolute; top:773px; left:648px; width:51px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=51> <TR VALIGN="top" ALIGN="left"><TD WIDTH=51 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement46" style="position:absolute; top:774px; left:560px; width:172px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=172><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>Subtotal $ 29,400</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement3811" style="position:absolute; top:789px; left:608px; width:89px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=89><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxn>+ TT&L, Doc Fees</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement47" style="position:absolute; top:906px; left:446px; width:397px; height:64px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=397><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxn>So now your bottom line is roughly $31,000 not deducting any cash down or available rebate. But because auto loans will only finance about invoice you can determine how much you will need to put down. </FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement48" style="position:absolute; top:955px; left:490px; width:206px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=206><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 31,000 Bottom Line</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement49" style="position:absolute; top:968px; left:490px; width:205px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=205><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 26,000 Invoice</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement50" style="position:absolute; top:980px; left:484px; width:51px; height:1px;"> <TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=51> <TR VALIGN="top" ALIGN="left"><TD WIDTH=51 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement51" style="position:absolute; top:982px; left:490px; width:333px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=333><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 5,000</FONT><FONT CLASS=Arial-11pxn> </FONT><FONT CLASS=Arial-11pxb>Difference = Down Payment Required</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement52" style="position:absolute; top:997px; left:490px; width:332px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=332><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 2,000 Rebate - Deduct any and all Rebates</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement53" style="position:absolute; top:1009px; left:490px; width:44px; height:1px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=44> <TR VALIGN="top" ALIGN="left"><TD WIDTH=44 HEIGHT=1 BGCOLOR="#000000"><IMG SRC="t.gif" ALT="" WIDTH=1 HEIGHT=1 BORDER=0></TD></TR> </TABLE></A></DIV> <DIV ID="idElement54" style="position:absolute; top:1013px; left:490px; width:331px; height:14px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=331><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-11pxb>$ 3,000 Cash Down Required if $ 2,000 rebate available</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement55" style="position:absolute; top:692px; left:261px; width:166px; height:19px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=166><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-16pxb>View Sample Reports</FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement56" style="position:absolute; top:719px; left:269px; width:145px; height:16px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=145><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxb><a href="http://www.carz4less.com/automotive-installment-contract.html">Installment Contract</a></FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement57" style="position:absolute; top:736px; left:269px; width:143px; height:16px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=143><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxb><a href="http://www.carz4less.com/po.html">Purchase Order</a></FONT></DIV></TD></TR></TABLE></DIV> <DIV ID="idElement58" style="position:absolute; top:753px; left:269px; width:143px; height:16px;"><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=143><TR VALIGN=top><TD><DIV align=left><FONT CLASS=Arial-13pxb><a href="http://www.carz4less.com/4-square.html">4 Square</a></FONT></DIV></TD></TR></TABLE></DIV> <SCRIPT LANGUAGE="JavaScript">  </SCRIPT> </BODY> </HTML>