No need to trade. If you got $10k handy, its a done deal. Here’s what we do: You give me the 10k, keep your ride, we go get you a loan as my cousin “Anton” will be glad to co-sign for you if necessary, but he does charge a “vig”. The bank pays me the balance, you pay the bank (and Anton) every month and I have the cash = you wind up with two nice rides.
This work for you? 