Two dealers offered me 20-21K for mine. The Kelly Blue Book lists at least 20K for my XF with the mileage it has. How would it not be worth that? Yes, these two dealers are both Dodge/Chrysler dealers but still.

I owe 26 and have to carry over the 4-5K and that's why I won't trade. I am not making the 18k car a 23K payment plan.