Has anyone heard how rollover financing works? I bought a 2006 Xa new and owe around 10k. I want a new '08 Xd; like to swap my Xa for a new Xd without effecting my monthly payment (around $200./mth.)

It is hard to finance a Scion with a rollover unless you have positive equity in the car. In other words, they would have to give you at least 10G for the car--which should not be a problem. What ever you got over the 10Gs you owe would act like a down payment. It would not seem you could get as low as $200 a month. You must have put a lot down on the xA.

I put $3,500.00 down, but I've been chippen' away on balance with additional principal payments.