<prompt> Human: I currently have a GMC Sierra that has just over 7,000 left on my loan. I plan on paying that off within the next 4 month. However, I just moved to San Francisco and it is fucking impossible to own this thing here so I would like to get something newer but smaller. Im not sure if I should wait until I pay off my current loan or just look to trade it in now. The instant cash offer on KBB was 15,000 but I assume I need to pay off my loan in full to get that. Additionally, I am not looking to add more than 10,000 to my debt.  <response>: Why do you need a new loan? Sell this beast for 15,000, pay off your 7,000 loan and use the other 8,000 to buy a nice used Corolla or Civic. 