I am looking to get out of my 2020 Chevy equinox after having a slew of problems with it, I am completely over it. I am currently financing my equinox and I know it'll have negative equity on it when I go to a dealership. So my question is would putting anywhere between 2000-3000 dollars help at all? I am planning on going when I get my taxes, and I think during tax seasons, car dealerships have offers right? My credit isn’t the greatest(working on it though), probably won’t have a co-signer(which I really don’t want if I’m being honest) cause I want to build up my credit on my own. Right now I pay 550 a month. I don’t care about having anything fancy. The only things I would want in the car is a remote start, Apple CarPlay, good gas mileage, standard safety features, good warranty. The Mazda Cx5 is something I have really been looking into because they have a lot of standard safety features and also a Kia Sportage.

Side note- Is there a way I can secure outside financing through a credit union when I have a car that has negative equity on it.

Sorry if this is all over the place but hopefully someone can give me advice.