For good-credit drivers who are stuck
It's the trade-in market. Values dropped, your loan didn't. The difference between what you owe and what it's worth is your gap, and every month you wait it gets wider.
There is a way out. It depends entirely on how deep the hole is. Below is the honest version of that math, including the part where the answer is "not yet."
Drag the sliders. No email required. This one's just for you.
Takes 40 seconds · No credit pull to ask
Not sure leasing is right? 0% APR is available on select new models this month too.
Read this part
You've seen the other ads. $1 down. Your job is your credit. All credit welcome. Those events aren't built for you. They're built for someone rebuilding.
Your credit is fine. Your equity is the problem. And the fix is completely different.
When you finance, you carry the vehicle's depreciation. When you lease, the manufacturer sets the value up front and carries that risk instead. The lease payment starts well below what you'd finance the same truck for. That difference is the room your negative equity moves into. Some factory rebates apply to leases as well, though not all of them do, and which ones apply depends on the vehicle and the program running that month.
It works more often than people expect, and it has a ceiling. Four customers did this in August, most of them around ten thousand under. Past roughly twenty-six thousand the gap gets bigger than any vehicle on our lot can carry, and we will tell you that instead of letting you drive out here to find out. What decides it is how much room your payment has.
You've been told to "wait it out." Three years of waiting is how most people got here.
Be honest with yourself
If you landed in the right column, close this page. We'd rather tell you now than waste your Saturday.
The whole process
Not an estimate. We call your lender and get the exact number, then appraise your vehicle against live auction data. Now the gap is a fact instead of a fear.
Finance versus lease, side by side, on the same vehicle, with your actual gap built in. Some people should stay right where they are, and we'll tell you if that's you before you sign anything.
Most people in your position see the payment go up some. We'll show you what that increase buys you, and our managers will walk you through the math. If it's not worth it to you, you're welcome to stay buried.
Start here, finish below
You don't need to know your payoff. You don't need to know your trade value. That's our job. You just need to tell us where you think you stand.
40 seconds · No credit pull to ask
September event units
These are the four we're featuring this month, and they're the four we're deepest on. Which one fits depends less on what you want and more on how far underwater you are. We'll tell you which is which.
Lowest payment of the four. Best fit for smaller gaps
Small truck, small payment. Tightest ceiling on negative equity
Real truck without F-150 money
Highest payment, but absorbs the most negative equity
Both lease and finance programs are running this month. Which one lands better depends on your gap, and it isn't always the one people expect.
It worked last month
Not one lucky story. Four separate customers, all with good credit, all underwater on a trade, all driving something different now. Here are two of them.
2019 Equinox. Traded it on a new Bronco Sport.
2024 Maverick, two years in. Traded it on a new Explorer.
Both had clean payment histories. Neither one was a credit problem. Their loans went underwater because trade values dropped, which is a different problem with a different fix.
Straight answers
Part of it does, and here's the plain version: rolling a balance forward increases the amount financed and can raise your payment. What offsets it is that lease payments start lower to begin with. Certain factory rebates can apply on top of that, though not every rebate works on a lease, and which ones are available changes by vehicle and by month. We did this for four customers in August. The question isn't whether you're too buried, it's whether your payment has any room to move. We'll show you the exact number before you sign anything.
Only if you pick the wrong mileage. You choose your annual allowance up front. Our September lease programs are quoted at 7,500 miles a year, which prices well but is genuinely tight if you commute. You can go higher. More miles costs a little more per month, fewer costs less. Tell us your real number on the form and we'll price it that way instead of guessing.
Advertised lease payments require approved credit and not everyone qualifies for the top tier. Because you're already paying on time, you're likely in range, but we can confirm before we quote you anything.
No. Those target credit repair. This targets equity. Different customer, different math, different room, and smarter financial decisions.
Then we tell you that plainly. You'll leave knowing your exact payoff and your exact trade value and be a more informed consumer, which is worth the trip on its own.
Step one of one
Send us a few quick answers and we'll call you to get started. We can't quote a lease off a form. Your payoff, mileage, credit, and what your trade actually appraises for all move the number. That takes a conversation and some time in the store.
Last screen is just your name and number.
Expect a call or text from Homer City within one business hour. Save our number so you know it's us.
That call is quick. We'll confirm a few details and set a time for you to come in. The real numbers get built in the store, with you sitting there.