They'll appraise it and give you a semi-fair price and possibly allow you to roll the difference into your monthly payments
Ok and it probably not worth what I owe on it
You have to drive it to a Carmax for an appraisal. They have no idea if it's worth anything unless they can see it.
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Are you interested in buying my 2016 Nissan Versa Note (silver exterior) with 70,000 miles?
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