<prompt> Human: This stuff should really be taught in school. I am underwater with my current car loan. I am in need of a larger vehicle. I would like to trade in my current vehicle, which i expect will leave me 5-7 thousand underwater. Will the dealership simply apply that amount to the amount of the new car? A follow up question, am I able to have the loan cover the cost of tint?  <response>: Some of this depends on the new car. Adding 7k to a 100k loan is different than adding 7k to a 7k loan.You may be able to get the dealership to tint the windows and add it to the loan. You may also have to just pay it yourself.You would be better off forgetting about the tint so you arent even more underwater. You are looking at 10k already. 