It’s not that you “will lose 10 to 12 thousand dollars”. You *already* lost 10-12 thousand. You are likely upside-down (you owe more than the car is worth). Get rid of the car. Finance the difference between what it is worth and what you owe (maybe a personal loan from a credit union). Buy a car for cash. Trade up when you can afford it (i.e. when you can pay cash for the car).