 And so why would they pay someone retail for a car? They sell cars for retail. And so if they're willing to buy it from you for $22,000, you can rest assured it's worth $27,000, which leaves you $5,000 in the hole. How stinky is your credit? It's bad. It's like $515,000, and that's why I can't refinance it. Who's the car loan with? It's with Toyota Finance.