Turning Negative Equity Into a Fresh Start

Owe more than
your car is worth?
We take it over.

Upside Down assumes your vehicle payments — even when you're underwater on your loan. Zero out-of-pocket. No missed payments. Just a fresh start. A subsidiary of EveryBody Drives.

Submit My Vehicle 🚗 See How It Works

✅ Texas Law Compliant · 🔒 Written Agreement · ⚡ 48hr Approval · 📱 E-Sign Accepted

🚗

Vehicle Transfer Program

Upside Down · EveryBody Drives

Out of Pocket

48hr

Approval Time

100%

Payments Covered

Law Compliant

Get Started — It's Free →

✨ Simple 4-Step Process

How It Works

Get out from under your upside-down loan in four easy steps — no dealership runaround, no hidden fees.

📝

Submit Your Info

Fill out the form with your vehicle details, current lender, and outstanding balance. Takes about 3 minutes.

🔍

We Review & Approve

Our team reviews your vehicle and lender info within 48 hours and reaches out with your approval.

✍️

Sign the Agreement

You sign the Vehicle Responsibility Transfer Agreement electronically. We assume your payments from that day forward.

🎉

Fresh Start!

We take possession of the vehicle, insure it, and make your loan payments on time. You walk away relieved.

💚 What's Included

What We Cover

When you transfer your vehicle to Upside Down, here's exactly what we take care of.

✓We assume all of your scheduled loan payments
✓We maintain full insurance coverage on the vehicle
✓We indemnify you from claims arising from our use
✓We communicate directly with your lender on your behalf
✓We handle all registration, storage, and servicing
✓Limited Power of Attorney — lender communication only
✓E-signatures fully binding under Texas & federal law
✓All disputes handled under Texas law, in Texas courts

Important to Know

This agreement transfers financial responsibility, not legal title. Your name may remain on the loan until the lender formally releases it in writing.

We cannot guarantee your lender will release you from the loan, that a transfer will be formally approved, or that your credit score will improve — but we will make your payments on time.

💡 You're encouraged to review the full agreement with an independent Texas-licensed attorney before signing. No verbal statements are binding.

🚗 Get Started — It's Free

Submit Your Vehicle

Three quick steps. Our team reviews within 48 hours and calls you to discuss your approval.

Step 1Vehicle Info

Step 2Lienholder

Step 3Your Info

Year

Make

Model

VIN Number

Current Mileage

Outstanding Loan Balance ($)

Estimated Vehicle Value ($)

Vehicle Condition

Odometer Disclosure

Step 1 of 3

Lender / Bank Name

Lender Phone

Account / Loan Number

Monthly Payment ($)

Payment Due Date

Months Remaining

Is the account current?

Notes about the loan

First Name

Last Name

Email Address

Phone Number

City

State

How did you hear about us?

By submitting, you authorize Upside Down (a subsidiary of EveryBody Drives) to contact you regarding your vehicle. Submission does not create a binding agreement — a formal Vehicle Responsibility Transfer Agreement will be presented upon approval. Governed by Texas law. You may consult independent legal counsel before signing.

✅

You're Submitted!

Our Upside Down team will review your application and call you within 48 hours. Keep an eye on your phone and email!

Submit Another Vehicle

📋 Key Terms

Legal Provisions

From the Upside Down Vehicle Responsibility Transfer Agreement. Please review all sections before signing.

§1Purpose of This Agreement

›

The purpose of this Agreement is to transfer certain financial responsibilities related to your vehicle from you (the Client) to Upside Down. Upon execution, Upside Down assumes responsibility for making your scheduled loan payments.

§3Transfer of Financial Responsibility

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Upon execution, Upside Down assumes responsibility for your scheduled loan payments. The Client acknowledges that unless released by the lender in writing, the original financing obligation may still legally remain in the Client's name.

§5Indemnification

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Upside Down agrees to indemnify and hold harmless the Client from any claims, losses, or liabilities arising from Upside Down's possession or operation of the vehicle after the transfer date.

§7No Guarantee of Lender Release

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This Agreement does not constitute a formal loan assumption unless approved in writing by the original lender. Upside Down makes no guarantee that you will be formally released from the loan or that your credit will improve.

§17Binding Arbitration

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Any dispute arising from this Agreement shall be resolved through binding arbitration in Texas under AAA rules. Both parties waive the right to jury trial. The prevailing party may recover attorney's fees where permitted by law.

§18Limited Power of Attorney

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You grant Upside Down limited power of attorney only for:

Communicating with your lender
Obtaining payoff and account information
Securing insurance documentation
Registering, transporting, or servicing the vehicle

This does NOT authorize us to incur new debt, endorse checks, or execute unrelated agreements in your name.

§25Electronic Signatures

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Electronic signatures are fully accepted and carry the same legal force as handwritten signatures under Texas law and the federal E-SIGN Act.

§27Texas Consumer Protection

›

This Agreement complies with the Texas Deceptive Trade Practices–Consumer Protection Act (DTPA). You have had adequate opportunity to review this Agreement and may consult independent legal counsel. No verbal statements outside this written Agreement are binding.

Owe more thanyour car is worth?We take it over.