<prompt> Human: I owe about 7800 on my car. I have a good interest rate already 2.8. I see the same car with similar miles being sold for 11000. If I get my loan financing locked down before I visit the dealer, is there a way to finesse this without a down payment and still get a decent deal? Can I justify the likelihood of making 3k on the trade-in as the down payment? Or is this not applicable if I have financing already? Thanks. Assistant: Check what your car is worth as a trade in first. Just because a dealership is selling it for 11k, it doesnt mean youll actually get 11k when you trade it in. You may have to sell it private party to get that amount.Human: I checked kbb but read elsewhere thats not a very reliable source and according to looking at sales for the same year, model and miles, it doesnt seem accurate. I am not trying to get 11000 on trade in. Im trying to say its worth 7800 but based on market research you can get 11k so let me apply that to my purchase of the other car. If thats even a thing that I can do...  <response>: The only way a dealer will give you what they can get on resale for your trade-in is if they are ripping you off hard on the car you are buying from them. 