Take Over Payments Program: Options When You Owe More Than Your Car Is Worth

Does this sound familiar?

You owe thousands more than the car is worth.

The dealer’s trade-in number doesn’t come close to your payoff, and selling it yourself would still leave you owing.

They want money down just to take it back.

Trading in means coming up with cash you don’t have, or rolling the old debt into an even bigger loan.

The payment made sense on signing day. It doesn’t now.

Life changed, the payment didn’t, and now it’s crowding out everything else.

You’re worried about a repo on your credit.

You’ve worked hard on your credit, and the thought of a repossession following you for years is scary.

Upside down on a car loan? So are millions of drivers.

In mid-2026, nearly 3 in 10 people trading in a car toward a new one owed more than it was worth, by an average of $6,884, according to Edmunds.

Take Over Payments was built for exactly that situation.

How it works

Tell us about your loanA short form or a quick call: your lender, what you owe, your monthly payment, and your vehicle. No Social Security number and no credit pull.
We review your situationWe look at your loan and what you can comfortably afford.
You get your options in writingUsually within 24–48 hours. If we don’t think we can help, we’ll tell you that too.
You decideTake your time, ask questions, and have someone you trust look it over. There’s no obligation.

Who it’s for

Car loans with DriveTime, Carvana, Credit Acceptance, Westlake, Capital One Auto, Ally, Santander, Bridgecrest, and similar lenders.
Typically 2016 or newer vehicles with under 120,000 miles.
Whether you’re current or already behind, we review every case.
Texans, with a focus on Dallas–Fort Worth.

Everything is in writing, in plain language, before you decide anything.

Have a title loan instead? See the Title Payoff program.

Research sources: The Pew Charitable Trusts, Auto Title Loans (2015); Consumer Financial Protection Bureau, single-payment auto title loan report (2016); Edmunds Q2 2026.

Common questions

Who is Take Over Payments for?

People who owe more on a car loan than the car is worth and want a way to move on.

What if I’m already behind?

Reach out anyway. We review every case, and the sooner we see it, the more options there usually are.

Will this affect my credit?

We don’t pull your credit to review your situation.

See what your options look like.

Tell us a little about your loan and we’ll follow up with options that fit your situation, in writing. It’s free, there’s no obligation, and we don’t pull your credit.

See my options →

Or call us: (817) 382-2093 · ReDrive Solutions, Plano, TX

ReDrive Solutions is not a lender and is not affiliated with, endorsed by, or sponsored by any company named on this site. Company names are used only to identify the kinds of loans people ask us about. This page is general information, not legal or financial advice. Every situation is different, and any option we offer is explained in writing before you agree to anything.

Owe more than the car is worth? Let’s talk options.