<prompt> Human: My wifes car was repossessed, and the account was deemed not eligible for reinstatement, basically meaning we need to pay 3500 or lose the car. Her credit is not good, mine is fair, and thinking about trying to get a personal loan to pay off the car, and get it back. We dont have any savings in place right now, and are in the process of working ourselves out of debt. We put 2500 worth of repairs into the car in the past 3 months, which is why we missed payments and had it taken, so it is hard to make the decision to give up on it. Thoughts? Help?  <response>: Hate to tell you but if her credit is not good and yours is fair even if you do find an unsecured loan it is going to be for an ungodly rate and youll end up paying 7K to keep the car. Let the lender sell the car and then negotiate paying off the balance to satisfy the debt 