Yes, Shift’s network of lenders will “roll negative equity” for those applicants that qualify. Negative equity occurs when a borrower (i.e. the person that took out a car loan) owes more on the loan than the current value of the vehicle. In this case, the trade-in value of a car, or the price at which the car is sold, is not enough to pay off the loan in total. The outstanding value of the loan – the amount still owed – can be “rolled into” or included in a loan for a new vehicle. This can often affect the interest rate offered by a lender and is not always available from every lender. Qualification depends on personal credit history, income, amount of negative equity, and other factors unique to an individual.