I have a 2006 Dodge Ram 1500 Qud cab I would like to trade. Car is worth 13 to 14k on kbb. I owe 15k on the loan. I would like to get a car maybe something like into the 10k price. Reason I want to trade is because its a gas hog and I really do not use it no more. I know I will be having neg equity on it. Would dealers finance me still with the neg equity plus BAD Credit? I'm paying a little over 400 a month now. I have little to no money down maybe 500 to 1000 only. Would my payments increase or decrease?