Okay...I work in the Indirect Loan Department of my Bank. I deal with this exact shit every day.
Go to a dealership. Get your the little cheap car of your dreams. Trade in the car you don't want. The dealership normally pays for the car IN FULL. It doesn't matter how much the car is technically worth; it's all about your loan balance and how much they think they can sell the car for. If they want your business (which if they're anything like the dealerships in our area, they will) they'll do it.
They own the car, they get the title, you get the smaller monthly payments and car of your dreams....
Ta-Da!!!
m
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~I got a fever above my waist~
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