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The first law of thermodynamics is "there ain't no free lunch" and it applies here.
You owe the negative equity NO MATTER WHAT and they "could" apply (add) it to the new car loan. Not likely to pass the scrutiny of the credit department (they might be foolish enough to agree to do such an upside down deal if the interest rate is high enough).
Game the system? -HA!
Your payment will be very high for a really crappy car.
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