That car is not worth the money that you mentioned. Let them take it away.

I have an idea, why don’t you try acting like an adult and owning up to your responsibilities. You owe money, you have that money, pay it. Listen kid, you gotta grow up sometime, face it, you made a comitiment when you purchased that vehicle. And if you want an honest opinon, the vehicle you have now would have been a nice vehicle had you ever bothered to take care of it. how often (if ever) did you get your oil changed? Air and fuel filter? Check trans. fluid? check tire pressure? Did you ever do anything other then drive it and expect the mystery man to do everything needed on it? Did you ever have your brakes checks? tires rotated? How often did you get a tune up? Plugs? plug wires?

Lets imagine for one second that you are stupid enough to go the “new vehicle” route (and I think you are) What will happen when you decide to not take care of it, and then you decide that it just too much of a headache to deal with and you want the “repo man” to come take it away? You won’t be given a finacing option if you decide to try for another vehicle.

What would your mom and dad say if you ased them, oh yeah, thats why your asking us, because you know what they would say, and you are looking for other as irresponsible as you to say its ok to be lame and sleeze your way out of your responsibilites because your too imature to own a vehicle. There is a thing called operating cost and it more then just using daddy’s credit card to put gas in once a week, its called being responsible enough to ensure that your vehicle is road-worthy and safe. But, hey, we both know what your gonna do now don’t we kiddo? thanks for the 2 points, enjoy your pathetic credit score while you spend the rest of your life licing paycheck to paycheck till you die because no one will give you credit to buy anything.

If you pay it off it will aid your credit rating and build your high credit. Have it towed to the dealer and they’ll probably show you a couple hundred dollars for it. Make sure you negotiate your best price before you add the trade, this way you at least get something for it. If it becomes a repo, no way you’ll get under an 18% loan and you’ll probably need a lot down. Think about it…if your credit is o.k. you can probably save 10% on the interest if you do not repo. it. Play with this difference on an interest calculator and you’ll save more than a grand the first year. Do the right thing and protect yourself and credit rating!!!