2020 Kia Soul EX
I’ve only had my 2020 Soul EX for a little over a year now. I got it used with only 400 miles at a Volkswagen dealership for $16,500 right before the market went crazy !(now has 18,500 miles) I owe $14k on my loan still but it’s worth $21k with the market right now. I live in central PA with sometimes crazy winters and there being a lot of hills where I live I’ve wanted something with 4WD. My Soul has done amazing in the snow ! But I just want that peace of mind as I drive. I also must mention I got it when I was 18 with barely any credit so the interest on my loan is pretty high. So it would be nice now that I have built my credit and I have positive equity on my loan to trade it in. I’ve looked into refinancing but it wouldn’t make sense now that the car is worth so much more than it was when I got it ! I don’t know what to do, any help ?