yes in this case if you sell to the dealer will have to top up 5k out of pocket to settle the loan.

can try elsewhere for a quote.

selling the car yourself is also an option but a hassle, altho will be higher than what dealers offer, confirm.

other sifus pls let me know if im wrong, sometime ago banker friend told me banks no longer entertain walk-in ie individual car loan, they deal with dealers only. pls let me know if i was fed wrong info, or this is no longer the case