well no dealer anywhere is just gonna pay your car off...the way this works is...your tundra isn't worth as much as you owe on it, that's called NEGATIVE EQUITY lol. U're upside down in that thing obviously...but if u only owe 4800 on it and it didn't even appraise for that much, it must be old, or a piece of shit...and those V6 6speeds aren't a limited edition, that's bullshit. the dude was just tryin to **** u. but if u're upside down in your trade it's gonna possibly take some cash down from u, unless you have really good credit, just to get the banks to approve it. Banks aren't gonna want to finance more than about 125% (and that's stretching it) of what the car's invoice is. Example...if u're 2000 upside down on a trade, that 2000 has to be added back to the selling price...let's say the selling price is 19000 and the invoice on that thing is 18,000...so now your selling price goes up to 21000, then after tt&l u're up to about 23000... so that puts u at 127% loan to value...most banks aren't gonna do that unless you have seriously good credit, and even if they do, the interest rate's gonna be up there...so u'd have to put at least 2000 down to cover the negative equity and get your loan to value down...banks look to finance about 105-115% normally...120 and over is kinda high...130 is almost impossible...so dont say the dealer wont pay off your trade, it's not his fault the thing isn't worth what you owe on it. you're obviously in the hole on that tundra and if u want out, stop waiting for someone else to throw u a ladder