<prompt> Human: I am currently financing a 2014 Toyota through Toyota Financing at 0 APR. The purchase price was around 38k and I have about 10,300 left on it. The value now seems to be around 28k. I dont need a car, cant afford the monthly paymentsparkingmaintenance and could use some cash. If I go back to Toyota, will they pay me 18k to take the car back? How does this work? Is it different if I find a private buyer for 28k? Can I use the cash from the sale to pay off the loan and pocket the rest? Or does the buyer need to pay the loan off directly and I get the difference? What are the logistics of these scenarios? I should also mention that my car was recalled awhile ago and I never had it checked out. After 2 years or so, will they still fixreplace it?  <response>: You need to sell the car, either privately or to a dealership. The financing company , in this case Toyota, will not take the car back. 