Go to a lender or a couple and ask. I applied at a local credit union that was having a loan sale. I would assume at this point you are probably upside down. If that is true, you might want to have some cash on hide to pay down the balance. Lenders don't usually like negative equity auto loans. It sounds like you plan on checking your scores before, good idea. Just so you know what you have to work with before you hit a lender, no surprises.
