CARTRUVO: FINANCED TRADE-IN COMPARISON
General planning worksheet. All quotes, taxes, loan terms and approval must be verified.
Full guide: https://cartruvo.com/blog/can-you-trade-in-a-financed-car

                              OFFER A             OFFER B
Quote date / expiration:      __________          __________
Replacement vehicle / VIN:    __________          __________
Replacement vehicle price:    __________          __________
Taxes (verify treatment):     __________          __________
Itemized fees:                __________          __________
Agreed optional products:     __________          __________
Old lender payoff:            __________          __________
Payoff valid through:         __________          __________
Trade allowance:              __________          __________
Cash contribution:            __________          __________
Other adjustments (explain):  __________          __________
Proposed amount financed:     __________          __________
APR / loan term:              __________          __________
Total scheduled payments:     __________          __________
Final/balloon payment if any: __________          __________

EQUITY = trade allowance minus old payoff.
Negative result = a shortfall to address, not forgiven debt.
Starting subtotal = replacement price + taxes + fees + products + payoff
                    - trade allowance - cash contribution.
Reconcile other adjustments with the written contract. Do not count a cash
shortfall payment twice. This worksheet does not model tax credits or interest.
Compare upfront cash AND total payments; a lower monthly payment may cost more.

PAYOFF FOLLOW-UP LOG (keep privately; never publish account numbers)
Who sends payoff / expected date: ________________________________________
Lender instructions for payments due during processing: __________________
Date sent / payment reference: ___________________________________________
Date lender confirms settlement: _________________________________________
Lien release / title next step and responsible party: _____________________
Unresolved issue / contact / next follow-up: ______________________________