You may not have to go through the dealer. Most of the time you can purchase the car from the finance company , or whatever institution you are sending your monthly payment . You will have to pay the remainder of your payments plus the residual cost of the vehicle listed on your contract including sales tax on thet amount. You may want to research what similar vehicles are selling for since as you mentioned quality preowned vehicles are selling at a premium. You could market the car to several dealers to see what they are willing to pay. good luck
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