<prompt> Human: My girlfriend yesterday purchased her first vehicle, a 2017 Toyota Camry Le from a dealership near where we live. After negotiating her interest rate to 0 and the price down to a good point, she bought the car. Looking at numbers and talking about cars all day really made me think about my current deal. I currently am financing a 2014 Kia Forte Lx with 75,000 miles on it and in Good condition. This is my first financed vehicle and I was very stupidgot a terrible deal when I bought it used in 2015. I pay 13.75 percent interest on my loan which I still owe 12,033.77 on added warranties and extended service contracts add about 3500 here.Over the remaining 4 years of my loan I will pay an approx additional 4500 in interest I believe. I have tried to refinance and nobody will refinance my loan because the car is worth so little compared to the loan amount. I have called Zurich who my warranties are with and they told me I can refund the prorated amount about 45 of the service contracts back to the lien holder. This would lower the loan to about 10,500The KBB dealer trade in value is around 5,500 for my car. While in the finance office with my girlfriend yesterday, the finance manager joking told me if I wanted to buy a 2017 vehicle that they would also offer me 0 interest. I then asked him about it and he goes oh yeah, theyre really trying to get rid of these 2017s, theyll almost give anyone 0. This really got me thinking. If I could roll the negative equity over into a new, well below invoice vehicle like a CorollaCamrywhich tend to hold resale value well for sedans, I would basically refinance my loan for 0 and get a brand new car, hopefully keeping my monthly payment the same or very close to what it is now. Yeah, the value of the car would be well below the loan amount when I drove it off the lot, but seeing as all my payment would go to principal and Toyotas generally have good resell, I dont think this would be an issue after a few years. Does what Im thinking about doing make sense? Is there something that I may be overlooking? Thanks!  <response>: Well it might work. You need to get an offer from a dealership and run the numbers and do the math.Normally this would be a very bad idea. But, because of your insane interest rate on a car loan, it just might work.Good luck. 