Question about roll over auto loans

Question about roll over auto loans I just have a question about how these work. From my understanding if I have loan for 18.5k with 13k left and my car is worth 9k that last 4k goes into the new loan of a car I would try to finace. Would I still need a down-payment got the new loan or is the toal of both loan added together minus what my vehicle is worth? If it works as I think m...

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