: You may be able to trade the vehicle for a more affordable one at the same lot, though any remaining loan balance is often "rolled over" into the new loan. How to Return the Car (Step-by-Step) Vehicle Returns - VSA

: This is when you proactively return the car because you can no longer afford payments. While it avoids the stress of a forced tow, it is still recorded as a repossession on your credit report and can lower your score by 100–150 points .

: Some dealers may offer to buy the car back, though usually at a significantly lower price than what you owe (creating "negative equity").