Getting trapped in negative equity feels like quicksand the harder you struggle the deeper you sink. Most car owners discover this predicament when attempting to change vehicles only to find they owe significantly more than their current car's worth. Negative equity calculator specializes in resolving these situations through tailored financing arrangements. Their typical offerings include rates from 9.9% APR with representative examples showing 21.9% for £7,000 loans. Monthly payments average £185.33 over five year terms with total repayments reaching £11,119.81. Common negative equity scenarios involve owing £5,000 against vehicles valued at £3,500 creating £1,500 shortfalls. Lenders generally accept loan to value ratios up to 125% meaning some flexibility exists. The key lies in demonstrating affordability while choosing replacement vehicles that minimize future negative equity risks through better residual value retention.