u/edmundscars

Depreciation varies widely by model, potentially leaving consumers susceptible to owing more on their car than it’s worth if trading in before the end of a loan. 

For 4-year-old vehicles (’22 model year was the average trade-in age toward a new-vehicle purchase in Q1 2026), these models stand out, based on data compiled by our insights team.

Top: The most common ’22 model year trade-ins carrying negative equity into their next loan

Bottom: The most commonly traded in ’22 model year vehicles without negative equity, adding cash value toward the next purchase

We weren't sorry to sell it, but losing $50k on a vehicle that had less than 10k miles was staggering. This is a vehicle that had multiple issues from Day One, so maybe we shouldn't have been that surprised?