Q: Have a OneMain title Loan, looking for surrender car but willing to still pay difference after car value on Loan
All I want is the difference taken off with the value of my car and finish paying the difference on my Loan
A few things to consider:
The amount owed after surrender a car to the lender may be the difference between the loan and the SALE PRICE (not the "value").
Surrender may be considered a voluntary "repossession," and it will likely show on a credit report as such for several years.
There may administrative charges/fees associated with surrender, and lenders don't always make them clear up-front.
The lender may not accept an offer to surrender (because they don't want to be responsible for arranging to sell/auction off the car).
You may consider consulting with a knowledgeable attorney who can review your current contract, advise you on your options, and (if needed) negotiate the deal and review any new contract with the lender before you sign it.
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