Asked by Jul 02, 2017 at 02:21 AM about the 2010 Audi A4 2.0T Sedan FWD

Question type: General

I have a car that I am still paying for. It needs
expensive repairs and I want to know how it would
affect my credit if I return it? I CAN still make the
monthly payments; however, it is too expensive to
fix. I rather just give it back.

4 Answers


You just can't give a vehicle back. A dealer or someone will buy it off you, but for much less than it is worth so they can fix it and resell it. You will avoid the repairs, but still be stuck for the remaining amount of principal. Ex. You bought the car for $20000, it's needs $5000 to fix, you owe $15000, someone buys it for $10000, and your stuck with paying $5000 and not have a vehicle.

1 of 1 people found this helpful.

You CAN just give it back, but that would be a dumb thing to do for the reasons Tom gave.

1 of 1 people found this helpful.

If you stop paying on it a voluntarily turn in the vehicle it still reports as a repossession on your credit report. When you bought the vehicle you signed a legal and binding contract with the lender saying that you agreed to pay for the vehicle. It's not the lender's fault the vehicle broke down. If you're close to having it paid off, just trade it in. The money you owe will be added to the loan for the new vehicle. That's the only downside. But if you owe less than the repair will cost, you still come out ahead in the end. HTH. -Jim


the loan is through a bank- just let them repossess the car- they will tow it away- ANYTHING! anything is better than being stuck with a used Audi- your credit will come back in 7 years but owning an Audi will break the bank forever- why can't the word get out on Audis?!

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