You best bet would be to bury the negative equity in a new vehicle with a decent rebate. From the sound of things you are a capable negotiator so get the best deal you can from a dealership and then parachute the trade in at the end of the deal. Let the dealer finance through themselves(their lenders) and then in a few months go refi with whomever you choose to get a better rate. That way the dealer is under the impression they will be able to make their money from you through the financing. This tends to give you the best OTD price without sacrificing a better finance rate for the life of the loan. Just make sure they dont sneak in a prepayment penalty for paying off the laon. If they try that demand that be removed from the deal or there is no deal. They'll wipe it out for you.