Question: Would a dealer allow a no-cash deal?
Would you know if dealers ever let you downsize your card (mine 142 Kia sportage 95k on clock) to a smaller car e.g 1.4 Mokka/stonic etc without having to give any additional money
Not usually, but it is always worth asking. The problem is that if you’re trying to downgrade and pay no cash, you’re basically asking a dealer to swap one piece of stock for another — another car that they then have to sell on. If your car is especially in demand (and in fairness a used Sportage will always sell well) and they don’t have too many others to sell before it, then you might stand a chance, but in general dealers will always want to have some element of cash or finance in the deal to make it worth their while.