Pontiac

Still making payments on it but would love to get something else with smaller monthly payments. can i just take it to a dealership and and tell them that i want smaller payments on a different car and it all work out with the loan and all? i dont wanna waist my precious time at a dealership so i figure ill ask the people of yahoo!

Be prepared to lose some money on the deal. it is not as simple as you think it is . you owe more on the car than any dealer is going to give you in trade, so that leaves a deficit between what you owe and the trade-in value. you either have to make the deficit up out of pocket, or they may be able to roll it into your new loan, but that will put you in an even worse position. no matter what you do, there will be an amount of money, possibly several thousand dollars, that you are going to have to eat, one way or another. you really should learn to like the vibe, it will cost you a lot less.