How to get out of finance?

[jman_in_minnesota]

the old loan would be paid off and any trade-in value gain (or loss) would be applied to the new loan

[Bill1065]

after trade in and down payment I had about $10,000 left to finance so I got a
Balance transfer to a credit card company at 1.9 APR. I got the title on the H3 about 1 and a half years ago due to this. I can sell the H3 anytime. I owe $2,500 to the credit card company at this time.