Usually to not be upsidedown on the loan takes two years at least.
If you find the right dealer and pay full list on the new car (and a ST may be like that anyway IE they will not discount it) you could get 'extra' for your trade if they want it.)
When i sold my 1996 Mercury Mystique to buy a 1999 SVT Contour at full list, I got an 'exceptional' good trade in on the Mystique.One point is right now dealers are still unloading brand new 2012s and so your car as a used car has less than normal value due to new 2012 discounts, right now.
If you wait three months, your 2012 value will be higher than right now.
Last edited by Elizabeth; 08-05-2012 at 02:13 PM.