<prompt> Human: So my car is worth about 8,000 and i owe 13,000. High interest, upside down loan. I no longer need my car and dont want to keep wasting almost 600 a month on car related expenses, not including the needed repairs. The dealership wants to buy my car from me. I know theyll offer much less than what i owe, and thats fine with me, i just want to know if its possible to refinance the remaining amount in a much lower loan. I dont have good credit. Does anyone know how this could work? Thanks.  <response>: The dealership will offer you less than what its worth. You would need an unsecured personal loan to pay off the balance if you dont have cash. 