And let's not forget about the potential imapact to the OP's credit. While he may be paying the loan (some of us might struggle with that) it certainly affects income to debt ratio since he's carrying 2 loans. And that can negatively impact your credit score. I am with you guys, I would be in the store, in person. I certainly would not have waited this out for a few months. They'll carry this out as long as they can til they get a buyer and you are paying the carrying costs. Not to mention the payoff on your own unit goes down so when the dealership finally pays it off they pocket the difference.