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You have to keep in mind, the mortgage on the commerce-in is yours – not the car dealers – and it should be paid off so the seller can get a clear title to the trade-in. In essence, the automotive seller is buying the commerce-in from you, and you’ll’t sell it to him if there may be an outstanding stability owed on it. So the pay-off gets added on to your “Quantity Due,” and then the supplier takes that money and pays off the mortgage. The lending institution in return sends the automotive seller a transparent title and everyone seems to be joyful.