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Most financial institutions have a formula for splitting out the truck if need be. It does involve refinancing but that may be a good thing now depending on the interest rate. I am considering a new truck and will probably do this as my truck and trailer are tied in a combo loan. The credit union I use can tell me how much I have to get for the truck on trade or a payoff and you add the new truck in and they refi it all together. Maybe costs a little more on the back end but it does lower your monthly outgo. Whatever works for each person.....
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